An important thing to keep in mind is that lenders must comply with their legal obligations when communicating with borrowers. This often results in lenders not telling the borrower what went wrong or what to do about it.
Under the law, there’s very little that lenders can tell borrowers about their particular application. For example, even if it’s obvious to the lender that a borrower is not eligible for PPP, the lender will not tell them that directly. The lender does not want to incur liability if their conclusion was incorrect. This creates a frustrating experience for borrowers who mistakenly believe they’re eligible but continue to be declined and told by that lender “you may be able to re-apply elsewhere.”
In all cases it’s up to you as the borrower to determine your eligibility, understand the rules, and apply correctly.