sauce

Hi Carrottop, I believe you have an overwatering problem. First off stop with the Neem Oil. Your soil looks quite dense and water retentive. What may be happening is the top layer of soil dries quicker than the soil deeper in the pot thereby leading you to believe the soil is dry when in fact the soil around the rootball is soaking wet. Since you recently bought and re-potted I would let the soil dry more between watering and see how she does. If the yellowing of leaves continues to get worse you may have to re-pot it again into a good free draining soil. This would be considered an emergency re-pot so wait and see for now. If you can, get hold of a wooden chopstick or skewer and stick it deep into the soil. This will tell you how wet the deeper soil is. In the meantime you should find some good bonsai soil and plan on replacing the existing soil, maybe sooner than later. Nice pics by the way! Come back if you have further questions or the problem worsens. Good Luck!