This kind of explains it. Swing-arm geometry. The swing-arm is generally articulated around a line that is positioned to the rear of the drive-chain primary sprocket axis. As you increase suspension loading, the rotation of the swing-arm will cause the effective chain length to change, causing it to tighten up or loosen depending on the geometry of the chassis. You need to get the chain tension adjusted to suit the kind of load you regularly carry on the bike