Personal financial statement prep worksheet
A personal financial statement (PFS) is a one-page snapshot of what you personally own, owe, and earn. Lenders usually ask each owner for one. This worksheet helps you gather the numbers at home, so filling in the official form takes minutes instead of an afternoon.
This worksheet is free to use without an account; printing uses a free verified account. It is a paper prep aid: print it blank, then fill it in by hand at home. Never type these numbers into this website. The official form is completed on sba.gov or on paper — never here.
What a PFS is and why lenders ask
What it is. One page that lists your personal assets (what you own), liabilities (what you owe), and income. It is about you as an owner, not about the business.
Why lenders ask. Lenders review it to understand repayment ability and to verify where your down-payment money comes from. It also gives them a starting point to discuss personal guarantees with each owner.
The official form. Many SBA lenders use SBA Form 413, the SBA's Personal Financial Statement. Your lender may use its own version instead — ask which one it wants. Fill in the official form on sba.gov or on paper, never on this website.
This page never asks for your numbers, and you should never type them here. Print the blank worksheet, sit down at home with your statements, and fill in the blanks with a pen. When the worksheet is done, copying it into the official form is quick — and your private numbers never touch this website.
All blanks on this sheet: fill in after printing — never type them into this website.
Prepared by:
Figures as of (date): ____ / ____ / ________
Date prepared: ____ / ____ / ________
Assets — what you own
Write down what each item is worth today, not what you paid for it. Round numbers are fine on this prep sheet — your statements have the exact figures.
Cash on hand:
Checking and savings accounts:
Retirement accounts (IRA, 401(k), and similar):
Life insurance cash value:
Stocks and bonds:
Real estate owned:
Vehicles:
Other assets (describe):
Total assets:
Liabilities — what you owe
Write down the current balance on each debt. The official form also asks for details like monthly payments and who the debt is owed to — your latest statements have those numbers.
Credit card balances:
Installment loans (personal loans, student loans):
Auto loans:
Mortgages on real estate:
Unpaid taxes:
Other debts (describe):
Total liabilities:
Income sources
Your yearly income, by source. Keep these consistent with your most recent tax return.
Salary or wages:
Net investment income:
Real estate income:
Other income (describe):
Contingent liabilities — debts you might owe
Amounts you would owe only if something happens — for example, a loan you co-signed that someone else is paying. Lenders ask so there are no surprises later. Having some is common; listing them is a next step, not a problem.
Loans you co-signed for someone else:
Legal claims or judgments:
Other contingent debts (describe):
Private information — fill in by hand
These lines are blank on purpose. This website never asks for this information, and it should never be typed into the website. The official form does ask for it — fill it in there, on sba.gov or on paper.
Owner Social Security Number: ____-__-____(fill in after printing — never type this into the website)
Owner date of birth: ____ / ____ / ________(fill in after printing — never type this into the website)
Owner home address: ______________________________________________(fill in after printing — never type this into the website)
My notes:
Next steps for a clean, consistent statement
Small steps now make the official form quick later.
- Gather your latest statements first. Bank, retirement, brokerage, mortgage, and loan statements have the exact numbers — copy from them at home instead of guessing.
- Keep figures consistent with your tax returns. Lenders compare the two, and matching numbers make the review smoother. If something changed since you filed, jot a short note so you can explain it.
- Date the worksheet. A personal financial statement is a snapshot “as of” one date — write that date at the top and use balances from that date.
- Expect to update it. If months pass before your loan moves forward, your lender may ask for a fresher statement. That is normal — keeping this worksheet makes the update quick.
- Ask your lender who needs to complete one. Lenders commonly ask each owner with 20% or more ownership — and sometimes spouses or co-owners — for their own statement. Ask before your meeting.
- Missing a number? That is a next step, not a stop sign. Leave the blank empty, note which account or statement has the number, and come back to it.
This worksheet is educational and independent. It is not an SBA form, and this site is not affiliated with or endorsed by the SBA, any government agency, or any lender. Each lender decides which form and which details it wants — ask your lender whether it uses SBA Form 413 or its own version. The Form 413 link was checked against sba.gov in July 2026; if it stops working, use the official document search at sba.gov/documents.