Can I do my own financial statements?
Yes. A personal financial statement is a form you fill out and sign yourself, and lenders expect exactly that.
The answer,
in full.
Checked against the current SBA rules and forms on October 28, 2026.
Yes. A personal financial statement is a form you fill out and sign yourself. SBA Form 413 says so on its face: the individual lists assets, liabilities, income and contingent liabilities, then signs under penalty of criminal prosecution. No preparer signs it. Bank forms, from Chase’s own PFS to a credit union’s intake sheet, work the same way.
What the lender checks is whether each number traces to a document: the latest statement for every account, the current mortgage statement, a defensible value for each property. Pull those first, write every balance as of one date, and total the columns so assets equal liabilities plus net worth.
Where people get stuck is the second request. A different lender wants a different layout, and every figure is three months stale. StatementsReady connects the accounts once and prints whichever layout the lender asks for from the same balances.
Start your statement.
Free for 7 days. No credit card.