Personal financial statement template
The one-page layout most banks and commercial lenders ask for: assets, liabilities, and net worth, with a signature line.
Excel and PDF
Three templates, one set of numbers.
A personal financial statement template lists what you own, what you owe, and the difference, in the layout a lender expects. These three are free to download and work by hand. Each one can also be filled by StatementsReady from synced bank balances, then exported in whatever format the lender asked for.
Templates are free, no email. The trial is 7 days, no card.
Pick the layout
your lender wants.
Each page explains what goes on every line and where the numbers come from.
SBA Form 413
The personal financial statement SBA requires on 7(a), 504, disaster, and surety bond applications. Current version dated February 13, 2025.
Guide and auto-fill
Net worth statement template
The same numbers, named the way many lenders and advisors name them, with a walk-through of how to value each line.
Excel and PDF
Template
or software?
A template is fine for one lender, once. The software is for the second time they ask.
| Task | Template | StatementsReady |
|---|---|---|
| Filling in balances | You type each one | Synced from your banks, read-only |
| The math | Your formulas | Totalled for you, every section |
| Next lender, next year | Start over | Refresh balances, export again |
| A different form | Re-enter everything | Export the PDF, SBA 413, or Word file |
| Signing | Print, sign, scan | Sign in the app, co-signers by link |
| Sending it | Email a PDF | Expiring link you can revoke |
| Cost | Free | $79 once, or from $29 a month |
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Common questions.
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Are these templates free?
Yes. The Excel and PDF files download directly, with no email address or account. The SBA Form 413 page is a line-by-line guide, and StatementsReady fills the form from synced balances plus the properties and holdings you enter once. The free 7-day trial needs no card.
Which template do banks accept?
Most banks and commercial lenders accept a standard personal financial statement with assets, liabilities, net worth, and a signature. Some hand you their own form. SBA lenders need SBA Form 413 for 7(a), 504, disaster, and surety bond applications.
Do I need the SBA form or the regular template?
Use SBA Form 413 for any SBA-backed loan. It has to be the current version, dated within 90 days of submission for a 7(a) or 504 loan submitted from October 1, 2026, and completed by every 20%-or-more owner and every guarantor. For a bank loan with no SBA guarantee, the regular template covers what the lender needs.
Can I import a template I already filled out?
Yes. Upload the PDF or a photo of last year's statement and Smart Import reads the figures into the matching sections. You review each one before anything is saved. The free trial includes 3 imports a day.
How often should I update a personal financial statement?
For an SBA 7(a) or 504 application the form must be dated within 90 days of submission, under SOP 50 10 8.1 from October 1, 2026. The printed form still says 120 days, so go by the shorter window. Lenders with an existing loan usually ask for a fresh statement at annual review. Ask your lender for the date window they accept, then keep the numbers current so any window is easy to hit.
Start your statement.
Free for 7 days. No credit card.