Everything you need to know about personal financial statements, net worth tracking, and commercial lending requirements.
Learn how to calculate your net worth, categorize assets, and why it matters for investors.
Step-by-step instructions on how to fill out the SBA Personal Financial Statement for 7(a) and 504 loans.
Understanding the components of a PFS: Assets, Liabilities, and Net Worth explained simply.
A detailed breakdown of manual templates versus automated software. See which method is right for your portfolio.
Insights & Resources
Fresh research and lender-tested guides from the StatementsReady team.
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.
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