Personal loans
The statement your bank asked for, before the rate lock moves.
A score says how you have paid. The statement says what you could pay with.
The same page, asked for by different people.
A personal financial statement lists what you own, what you owe, and your net worth on a stated date. Lenders ask for it on loans, courts ask for it in a divorce, USCIS asks for it from sponsors, and estate attorneys work from it. Each situation wants the same numbers with a different emphasis. Pick yours.
7 days free. No credit card.
Borrowers
and co-signers.
A lender asked for a personal financial statement and the deadline is close.
First-time homebuyers
The one document the mortgage checklist leaves unexplained.
The credit report shows payment history. The statement shows the money.
Auto loans
Proof of net worth before the finance office closes.
Above a certain price, the lender wants to see the balance sheet, not only the score.
Co-signers and guarantors
Co-sign without opening your whole file.
Your signature is the collateral. The lender wants to know what it is worth.
Boat and RV financing
Proof of net worth before the boat show ends.
A boat is a large loan on an asset that loses value and costs money to own.
Business
and real estate.
Guarantees, SBA forms, and a real estate schedule that changes every quarter.
Business loans
On a business loan, you are the guarantee.
The business P&L says whether the business can pay. Your statement says what happens if it cannot.
Commercial real estate investors
Five lenders, one statement to keep current.
Each property adds a mortgage, a bank account, and a lender who wants the same page.
Real estate investors
Equity, property by property.
A general finance app has one line for "home". A portfolio needs one line per property, with the loan next to it.
Legal
and life events.
Courts, USCIS, and estate attorneys all want the same page, dated.
Divorce and legal settlements
Every account, on one dated page.
Division and support both rest on the numbers. Incomplete disclosure is the fastest way to lose credibility with a judge.
Estate planning
An inventory your attorney and your family can use.
Beneficiary designations, trusts, and wills all depend on knowing what exists.
Immigration sponsors
The asset evidence behind your I-864.
The affidavit is a legally binding promise to support the immigrant. USCIS checks that you can keep it.
Personal
finance.
Knowing the number, and having it ready the day someone asks.
High-income professionals
A statement that handles equity compensation.
Each piece is simple on its own. There are more of them, and each has a rule.
Personal finance
A personal balance sheet that holds up.
The spreadsheet is right the day you build it and wrong by the end of the month.
Retirees
One page your family could pick up tomorrow.
Working years produced pay stubs. Retirement produces a dozen statements no one else has read.
One statement,
every request.
Build it once from synced balances. Export the layout each request wants.
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Common questions.
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Who asks for a personal financial statement?
Banks and credit unions on loans and credit lines, SBA lenders on every 7(a) and 504 application, mortgage lenders on some files, landlords and lenders from co-signers, family courts in a divorce, USCIS from immigration sponsors, and estate attorneys drafting a will or trust.
Is it the same document every time?
The numbers are. The layout changes: banks take a standard one-page statement, SBA requires Form 413, and Chase has its own PFS form. StatementsReady exports each of those from one statement, plus editable Word and Excel copies.
How long does it take to build one?
About 8 minutes once your accounts are connected, for a borrower with a handful of accounts. A portfolio of properties or a full divorce disclosure takes under an hour on the first pass, then minutes to refresh.
Do I have to connect my bank?
No. Every figure can be typed in. Connecting through Plaid is optional and read-only, and it is what makes the next update a click instead of a rebuild.
Which plan do I need?
Single ($79 once) covers one statement for one lender request. Pro ($29 a month) adds unlimited statements, copies, one-click annual rollover, and 20 always-on bank connections. Pro Plus ($49 a month) adds 40 connections and 2-hour premium support. Each account starts with a 7-day trial, no card.
Start your statement.
Free for 7 days. No credit card.