It's just an automated ad promoting a product. I'm sure that company saw other ads when logging in on different days. Is it silly that they advertise it on high risk accounts? Maybe.. but it's nothing nefarious.
"To paraphrase: “It may seem weird that we’re holding collateral on your account and offering you a loan, but that was not a mistake! You’re still eligible. Contact me if interested.”"
Whilst the risk to PayPal may be deemed acceptable to PayPal, the only reason you would need the loan is because they froze Tor funds. They are not just managing your risk, they are increasing it whilst mitigating the effects it has on themselves!
Well, they're passing the risk on. The risk is in chargebacks from people who bought things from the OP's company, right? If they weren't using PayPal or some other third-party payment processor, that would be their risk.
Yes, but PayPal gets a (high) transaction fee in exchange for assuming that risk. The company borrowing from PayPal is charged interest for the privilege of taking that risk away from PayPal. That's insanely exploitative on PayPal's part.
Companies can reach the required transaction volume without having holds on their account.