Business borrowers
Applying for a business loan or a line of credit? Lenders ask for a personal statement from each owner with a 20% or larger stake, SBA or not.
Net worth statement form, the number lenders start with.
A net worth statement form lists your assets, your liabilities, and the difference between them. It is the same document lenders call a personal financial statement, and business lenders ask for one from every owner of 20% or more. Download the template, or build the statement from synced balances and export it as a PDF.
Templates are free, no email. The trial is 7 days, no card.
How to
fill it out.
Five steps. The values matter more than the layout.
Liquid assets first
Checking, savings, money market, and CDs at today's balance. Keep business accounts off the form unless you are a sole proprietor; lenders want personal and business separate.
Real estate at market value
Each property on its own line at a value you can defend, such as a recent appraisal or comparable sales, with its mortgage balance beside it.
Retirement and investments
Current values for 401(k)s, IRAs, and brokerage accounts. Some lenders count retirement balances at a discount for taxes and early-withdrawal penalties. Put the full figure on the form and let them adjust.
Every debt
Mortgages, HELOCs, auto, student, and personal loans, credit cards, and notes payable, at the current balance. Lenders pull your credit report, so the list has to match it.
Subtract and sign
Total assets minus total liabilities is your net worth. Sign, date, and keep the file: it is the starting point for the next one.
Who needs
one.
The same page, asked for by different people.
Real estate investors
Every purchase, refinance, and annual review asks for the same page. Properties, mortgages, and equity change with each deal.
Anyone tracking the number
Assets minus liabilities, on the same form each time, shows whether the plan is working before a lender ever asks.
The live
version.
A spreadsheet is right on the day you save it. Synced balances stay right.
StatementsReady connects to your banks, brokerages, and lenders read-only through Plaid, so cash, investment, and loan balances refresh with one click. Properties and private holdings are entered once and carried forward. The net worth line updates itself, and the same statement exports as a PDF, SBA Form 413, or Word file when a lender asks. For tracking without a lender in the picture, our sister site NetWorthCalculator.com does the same math for free in your browser.
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Common questions.
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What is a net worth statement template?
A net worth statement template is a form that lists your assets, your liabilities, and the difference between them. It is the same document lenders call a personal financial statement. Business lenders ask for one from each owner of 20% or more, and commercial real estate lenders ask for one from every guarantor.
Is a net worth statement the same as a personal financial statement?
Yes. The two names describe one page: assets, liabilities, net worth, and a signature. Some lenders and advisors say net worth statement, banks and SBA say personal financial statement, and SBA has its own layout called Form 413.
Can I use this template for an SBA loan?
Not as-is. SBA requires Form 413, which asks for the same numbers in its own layout. Fill this template first if it helps, then move the figures over, or have StatementsReady export Form 413 from the same statement.
How often should I update my net worth statement?
For an SBA 7(a) or 504 application, within 90 days of submission for loans submitted from October 1, 2026 (SOP 50 10 8.1). Lenders with an existing loan usually ask at annual review. For your own tracking, monthly catches trends early, and with synced balances it takes one click.
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