I am trying determine how having a high monthly deposit but low average daily balance affects on loan amount. Basically, I have a merchant that has high revenue/profits in last 3 months. However, he withdraws to personal accounts quickly and prefers keep Business account at low balance.

Monthly Deposits - $200k
Owner withdrawal -$150k
Other expenses- $50k

Avg balance kept it $5K

I think this affect the amount he can be approved. I may have to convince leave more money in.

Any suggestions? Thanks