Excel - sumifs dynamic array literal

=SUM(SUMIFS('Output'!$H$50:$H$69,'Output'!$C$50:$C$69,{"*PLoan","Deficit Loan"},'Output'!$G$50:$G$69,X97:AC97))

I have the above array formula. X97:AC97 is where I have my array literal and the values in this array literal are conditioned on some other parameters (let's say the values are a,b,c,d,e if the conditions are met). Because the values are conditional, it might show up as a "" "" "" e "". So in the sumifs array formula it takes the array literal as values {"a","","","","e",""}, which causes an error. How do I make it so that the array is {"a","e"}?