Personal Finance
How to Complete a New York Statement of Net Worth
The New York Statement of Net Worth is the sworn financial disclosure every divorcing spouse files under DRL 236. Here is how to complete it right.
July 8, 202614 min read
Insights & Resources
Personal Finance
Net worth tracking, financial organization, and personal financial statements for everyday life events — homebuying, divorce, estate planning, and more.
Personal Finance
Does Excel Have a Personal Financial Statement Template?
Excel's built-in gallery has budget and net worth templates, but no lender-style personal financial statement. Here is what to download instead.
July 6, 20269 min read
Personal Finance
What Is a Net Worth Statement? Definition and Uses
A net worth statement lists what you own minus what you owe on one dated page. Here's what goes on it, who asks for it, and how it differs from a PFS.
July 3, 202614 min read
Personal Finance
Personal Financial Statement for First-Time Homebuyers
A personal financial statement helps first-time homebuyers size up net worth, DTI, and cash to close before a lender ever opens the application.
June 26, 202614 min read
Personal Finance
Net Worth Statement Template: Build Yours in 20 Minutes
A net worth statement template lists what you own, values it at today's market price, and subtracts your debts. Here is how to build yours in 20 minutes.
June 12, 202614 min read
Personal Finance
Personal Financial Statement Excel Template vs. Software
A personal financial statement Excel template is free and works for one filing. See where it breaks on repeat lender requests, and when PFS software wins.
June 11, 202611 min read
Personal Finance
How Often Should You Update a Personal Financial Statement?
A personal financial statement is a point-in-time snapshot. Refresh it within 120 days for an SBA 7(a)/504 loan, yearly otherwise, and after a major change.
June 8, 202614 min read
Personal Finance
Personal Financial Statement for Divorce Disclosure
A personal financial statement for divorce inventories every asset and debt before you sign the court's sworn disclosure. Here is how to build one right.
June 8, 202615 min read
Personal Finance
Personal Financial Statement vs. Balance Sheet
A personal financial statement and a balance sheet both subtract what you owe from what you own. Here's what each shows and which a lender asks for when.
June 1, 202612 min read
Personal Finance
What Is a Personal Financial Statement? (2026 Guide)
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.
May 31, 202615 min read
Personal Finance
Personal Financial Statement Template: A 30-Minute Guide
A personal financial statement template captures your assets, liabilities, and net worth on a short balance-sheet form. Here is what each section needs.
May 26, 202615 min read
Browse other topics
SBA Lending
Guides, updates, and best practices for SBA 7(a), 504, and Form 413 personal financial statements. Built for borrowers, brokers, and SBA-preferred lenders.
Commercial Real Estate
DSCR loans, multifamily acquisitions, REPE reporting, and personal financial statements for real estate investors and operators.
Business Lending
Conventional, SBA, alternative, and bridge financing for small and mid-market businesses. What lenders look for and how to prepare.
Product Updates
Release notes, new features, and behind-the-scenes looks at how StatementsReady is built.
Industry News
Market commentary, regulatory updates, and lending trends affecting personal financial statements and small business credit.