Super Jumbo Bank Statement Loans

Bank Statement Loan Use Net Payouts After Platform — No, a bank statement loan does not add platform fees back into the deposit total.

Merchant Cash Advance Deposits Count As Bank Statement Loan Income — No.

Get that right and a marketplace seller’s deposits qualify like any other self-employed income stream.

Underwriters pull it out of the income calculation entirely — it’s treated as loan-like proceeds, not revenue.

Underwriters trace the money first, apply an expense ratio if it came from a business account, and only then decide what counts.

Ownership percentage, account labeling, and documentation decide whether the money counts at all.

Transfers Between Your Own Entities Count — Generally, no — not automatically.

Business owners financing high-value property on bank statements instead of tax returns often have working capital tools most W-2 borrowers never touch.

One Unsourced Deposit Sink A Super Jumbo — Rarely, on its own.

The daily or weekly ACH debits that follow still count against cash flow, though, because they drain money the business would otherwise have available.

If the deposit’s source is already printed on the statement, extra paperwork usually isn’t needed.

Merchant Cash Advance Deposits Count — No.

Sourcing the deposit proves it’s not hidden debt.

If the source checks out, the deposit either gets counted as income, excluded from income, or documented as legitimate closing funds.

An unsourced equity-event deposit does not automatically disqualify a second home loan.