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Personal financial statement template, Excel and PDF.

A personal financial statement is a one-page summary of what you own, what you owe, and your net worth on a given date. Lenders ask for it on business loans, commercial real estate financing, and personal guarantees. Download the template below, or let StatementsReady fill the same page from your bank balances.

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What is
inside.

The lines a lender expects to see. Every one has a matching field in StatementsReady.

Assets

  • Checking, savings, money market
  • 401(k), IRA, other retirement
  • Stocks, bonds, brokerage, mutual funds
  • Primary residence and up to 3 investment properties
  • Vehicles, business interests, life insurance cash value, other

Liabilities

  • Mortgages, property by property
  • HELOC and home equity loans
  • Credit cards
  • Auto, personal, student, and business loans
  • Notes payable, unpaid taxes, other

How to
fill it out.

Six steps, in the order the form runs.

  1. Date it

    Write the date the balances are true as of. Lenders read everything on the page as of that day.

  2. Cash and accounts

    Checking, savings, and money market balances from today, not last month's statement. Round to whole dollars.

  3. Real estate

    Each property on its own line at a defensible market value, with its mortgage on the matching line under liabilities. The lender will ask how you got the number.

  4. Retirement and investments

    Current account values. Some lenders count retirement balances at a discount for taxes and penalties, so keep the full figure on the form and let them adjust.

  5. Every debt

    Credit cards, auto, student, personal, and business loans at the current balance. Leaving one off is the fastest way to lose a lender's trust, since they pull your credit report anyway.

  6. Total and sign

    Check that assets minus liabilities matches the net worth line, sign, and date. Keep a copy: the next lender will want the same page.

The second time
a lender asks.

A template is a snapshot. Balances move the day after you save it.

StatementsReady keeps the same page live. Connect your accounts once, read-only through Plaid, and the cash, investment, and loan balances refresh with one click. Add your properties and private holdings by hand, once. When the next lender asks, export the PDF again with today's numbers, or export SBA Form 413 or a Word file from the same statement. Signing happens in the app, and the lender gets a link that expires when you say.

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Common questions.

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What is a personal financial statement?
A personal financial statement is a one-page summary of what you own, what you owe, and the difference, your net worth, on a stated date. Lenders ask for it on business loans, commercial real estate financing, and personal guarantees, because it shows what stands behind your signature.
How recent does it have to be?
It depends on the lender. For SBA 7(a) and 504 loans submitted from October 1, 2026, Form 413 must be dated within 90 days of submission. Banks with an existing loan usually ask for a new statement at annual review. Ask what date window the lender accepts, and put that date at the top of the form.
Can I use this template for an SBA loan?
No. SBA loans need SBA Form 413, which asks for the same numbers in its own layout. Fill this template first if you like, then move the figures over, or have StatementsReady export Form 413 from the same statement.
What is in the Excel file?
One sheet with assets on the left, liabilities on the right, and formulas that total each column and compute net worth. Input cells are highlighted. It ends with a certification line, a signature line, and a date.
What is in the PDF?
A short guide to putting a statement together, with a blank statement to print and fill on page 3, and schedules for real estate and loans on page 4.

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Start free trial See the SBA Form 413 page