SBA loans
SBA Form 413, line by line
Who files, the 90-day window, the eight sections, and the mistakes that send the form back.
Guides written from the source documents.
Four long guides on personal financial statements, each checked against the document it describes: the current SBA Form 413, the Federal Reserve's household survey, the plans and exports in the app. Beside them, the free templates, the calculators, and the blog.
Four
guides.
Long enough to answer the question. Sourced so you can check.
Net worth
How to build a net worth statement
Assets at market value, debts at payoff, and a worked example you can copy.
Comparison
Software or an Excel template?
Where a spreadsheet is enough, where it stops being enough, and what each one costs you in hours.
Generator
Net worth statement generator
Connect accounts, review the totals, and export a signed PDF a lender accepts.
Templates
and tools.
Free, no email address, no account.
Templates
Free templates
A personal financial statement in Excel and PDF, the official SBA Form 413, and a net worth statement template.
Calculators
Loan and net worth calculators
Net worth, SBA loan, commercial real estate loan, DSCR, and income calculators, free and in the browser.
Blog
70-plus guides
Personal financial statements, SBA lending, and commercial real estate finance, with primary sources cited.
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7 days free. No credit card. See every feature
Latest from
the blog.
Lending rules, form walkthroughs, and the numbers behind them, each checked against the source document.
Personal Finance
What Is Total Liabilities and Net Worth on a PFS?
Total liabilities and net worth is what you owe plus what's yours, and it must equal total assets. How the line works on SBA Form 413 and bank forms.
SBA Lending
New SBA Rules Oct. 1, 2026: SOP 50 10 8.1 Explained
SBA SOP 50 10 8.1 starts October 1, 2026. The new SBA rules for buyers: 1.25x coverage on real earnings, a firm 10% for new owners, a 90-day Form 413, new fees.
Business Lending
Startup Business Loan With No Revenue: What Lenders Require
With no revenue the weight of the file shifts to you. The 2026 SBA rules, the equity and credit bars, and which programs fund pre-revenue startups.
Common questions.
Still have a question?
Get in touch
What is on this page?
Three guides (SBA Form 413, net worth tracking, software against spreadsheets) and the statement generator page, plus the free templates, the calculators, and the blog. Everything reads without an account.
Who writes the guides?
Garrett Pierson, who built StatementsReady after filling out too many of these statements as a commercial real estate professional in Utah. Facts are checked against the source document, and the SBA guide follows the current edition of the form.
How often are they updated?
When the underlying facts change: a new edition of Form 413, a new Federal Reserve survey, a change in SBA rules. Each page carries its last-reviewed date in its structured data.
Do I need an account to use the templates or calculators?
The templates download without an email address and the calculators run in the browser, with no account. The 7-day StatementsReady trial is separate and needs no card.
Start your statement.
Free for 7 days. No credit card.