Assets behind the loan
Savings, investments, and property show the lender there is more than a paycheck standing behind the payments.
The statement your bank asked for, before the rate lock moves.
A personal financial statement for a loan application lists what you own, what you owe, and your net worth on a stated date. Banks ask for one on larger personal loans, debt consolidation, and thin credit files, because the credit score alone does not show what stands behind your signature.
7 days free. No credit card.
Why the bank wants
more than a credit score.
A score says how you have paid. The statement says what you could pay with.
The whole debt picture
Credit reports miss private loans, family debts, and co-signed notes. The statement asks for all of them.
Fewer follow-up emails
A complete statement on the first submission means the underwriter is not writing back for a missing balance.
Built from your balances,
totalled for you.
Connect the accounts once. The statement fills in and totals itself.
Balances that sync
Checking, savings, brokerage, retirement, credit cards, and loans pull their current balances through Plaid, read-only.
Totals that check themselves
Assets, liabilities, and net worth add up as you go. There is no formula to break.
The PDF the bank expects
Export in a standard layout with a signature line, or the Chase PFS form if that is who asked.
Refresh and resend
If the lender wants newer figures, click Sync All and export again. No retyping.
What's
included.
Items marked Pro or Pro Plus need that plan. The free trial covers one connected bank, one statement, and one watermarked export.
- Every asset line: cash, investments, retirement, real estate, vehicles, and other property
- Each liability with its current balance and monthly payment
- Income and employment section
- Net worth calculated for you
- PDF export, signed in the app
- A share link that expires when you choose
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Common questions.
Still have a question?
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Do I need a personal financial statement for a personal loan?
Only when the lender asks. Larger amounts, debt consolidation, and short credit histories are the usual triggers, and some credit unions ask on every loan. If the checklist mentions a PFS, net worth statement, or financial statement, this is the document.
What does the bank want on it?
Assets (cash, investments, retirement accounts, real estate, vehicles), liabilities (mortgages, car loans, student loans, credit cards, other debts), your income, and your signature with a date.
How recent do the figures have to be?
Lenders set their own window. Many ask for balances from the last 30 to 90 days, and they will want it redone if the application runs long. With synced balances, a fresh export takes one click.
Does it work for a credit union or an online lender?
The layout is the standard personal financial statement that banks, credit unions, and online lenders use. If a lender hands you their own form, the same figures move straight across.
What if my net worth is negative?
It happens with student loans and a new mortgage, and it does not end the application on its own. Lenders read the whole page: income, payment history, and the trend. List everything and let the numbers speak.
Start your statement.
Free for 7 days. No credit card.