That sounds pretty clear to me - if you do it for money, you need an FFL. That's always been my understanding also. I occasionally will put some loads together for friends, but I don't charge for it, they just buy the components and I assemble them.
I'm guessing selling off some old extra ammo would be ok, but bear in mind the liability aspect. If your ammo causes a kaboom and someone is injured, and if an attorney can convince a jury you are at fault, you might be on the hook for a lot of money.