Net Worth Statement Template
Stop filling out static PDFs. Create a secure, automated net worth statement that banks actually accept.
Why This "Template" Is Better
We took the standard bank form and made it smart.
Static Excel/PDF Template
- ✕Manual data entry for every account
- ✕Math errors are common
- ✕Outdated the moment you save it
- ✕Unsecure (emailing sensitive PDFs)
StatementsReady Smart Template
- Auto-Fill: Connects to 12,000+ banks
- Error-Free: Calculations are guaranteed accurate
- Always Live: Updates daily with your balances
- Bank-Grade Security: 256-bit encryption
What's Included in the Template?
Assets Schedule
Detailed breakdown of cash, securities, real estate, and personal property. We automatically categorize your accounts so you don't have to.
Liabilities Schedule
Notes payable, mortgages, and other debts. We sync with your lenders to pull the latest principal balance.
Net Worth Calculation
The bottom line. Assets minus Liabilities. This is the number lenders care about most.
Digital Signature
Sign legally with one click. No printing, signing, and scanning required.
How to Fill Out a Net Worth Statement
List Your Liquid Assets
Start with cash. Include checking accounts, savings accounts, money market funds, and CDs. Use the current balance as of today's date.
Value Your Real Estate
List all properties you own. For the value, use a realistic market estimate (like a recent appraisal or Zestimate), not necessarily what you paid for it.
Add Retirement & Investments
Include 401(k)s, IRAs, and brokerage accounts. Note that lenders may discount these values (e.g., counting only 60-70% of retirement accounts) to account for taxes and withdrawal penalties.
Calculate Liabilities
List every debt: mortgages, car loans, student loans, and credit card balances. Be accurate—lenders will pull your credit report to verify this.
Who Needs a Net Worth Statement?
Business Borrowers
Applying for a business loan or line of credit? Lenders almost always require a personal financial statement from any owner with >20% stake.
Real Estate Investors
When buying investment property, banks need to see your liquidity and global cash flow. A strong net worth statement is your resume.
SBA Loan Applicants
The SBA requires Form 413 for 7(a) and 504 loans. Our templates ensure you have all the data organized to fill this out quickly.
Frequently Asked Questions
What is a net worth statement template?
A net worth statement template is a document that lists your assets (what you own) and liabilities (what you owe) to calculate your total net worth. It is often required by lenders for loan applications.
Can I use this template for SBA loans?
Yes, while the SBA has its own Form 413, many lenders accept a standard personal financial statement as long as it includes all required schedules. StatementsReady generates formats compatible with SBA requirements.
How often should I update my net worth statement?
For existing commercial loans, lenders typically require an annual update. However, it's best practice to update it quarterly to track your financial progress.
What is the difference between a balance sheet and a net worth statement?
They are essentially the same thing. In personal finance, it's called a "Personal Financial Statement" or "Net Worth Statement." In business accounting, it's called a "Balance Sheet."
Ready in 8 Minutes
That's the average time it takes to create a complete, lender-ready net worth statement with StatementsReady.
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