A personal financial statement is a dated snapshot of your assets, liabilities, and net worth. Here's what goes on one, who needs it, and how lenders read it.
On the current SBA Form 413, contingent liabilities sit beside Section 1, not in Section 5. Here is what counts on each of the four lines.
DSCR loan requirements in 2026: the minimum ratio, FICO, down payment, and reserves most lenders set, plus the borderline cases that still get funded.
What every business-loan lender, SBA or conventional, actually looks at on your personal financial statement, plus the thresholds underwriters quietly use.
SBA Form 413 is the personal financial statement every 20%+ owner of an SBA 7(a) or 504 borrower submits. Here is how to fill out each section.
A personal financial statement template captures your assets, liabilities, and net worth on a short balance-sheet form. Here is what each section needs.
A real example of a completed SBA Form 413 for a hypothetical 7(a) applicant, with every line annotated — what underwriters see and why it matters.