EEasy Filing Hub

Small Business

Personal Financial Statement (SBA Form 413)

Report personal net worth for SBA loans & programs

We'll guide you through it, step by step

  • ✓Simple questions in plain language — no legal jargon
  • ✓We fill in the official form and check for common mistakes
  • ✓Private — no document uploads

Free to start • No credit card • Official form

Not sure this is the right form? Take the free eligibility check

Estimated fee

No government fee

View official fee calculator ↗

Typical timeline

Varies by lender (typically 1–4 weeks)

Category

Small Business

Who qualifies

Business owners holding 20% or more equity, general partners, guarantors, or applicants for SBA programs like 7(a), 504, and 8(a) certification.

The step-by-step roadmap

  1. 1

    Select Program and Applicant Role

    Choose your specific SBA program type and confirm your ownership percentage or guarantor status.

    Watch out: Selecting the wrong program section alters required asset thresholds.
    Common rejection reason: Mismatched program types or omitted owner listings.
  2. 2

    Calculate and Itemize Assets

    Report all checking, savings, retirement accounts, real estate equity, and personal property values.

    Watch out: Do not list business assets as personal assets.
    Common rejection reason: Overstated real estate valuations without supporting records.
  3. 3

    List All Debts and Liabilities

    Document mortgages, vehicle notes, credit card balances, delinquent taxes, and other personal debts.

    Watch out: Contingent liabilities like co-signed loans must be reported.
    Common rejection reason: Undisclosed tax liens or omitting personal loan balances.
  4. 4

    Sign and Date the Statement

    Sign the declaration under penalty of law. Have your spouse sign if joint assets or community property apply.

    Watch out: Unsigned spousal sections when joint property is included.
    Common rejection reason: Outdated signature dates or missing required co-owner signatures.

Documents you'll need

  • Personal Bank and Brokerage Statements

    Recent account statements showing liquid funds, stocks, bonds, and retirement balances.

    Note: Must match the date of the financial statement.

  • Real Estate Deeds and Mortgage Statements

    Documentation verifying current property market value and outstanding loan balances.

  • Personal Tax Returns and Debt Schedules

    Recent federal tax filings and details on installment loans, notes payable, and tax liens.

    Note: Includes IRS payment agreements if applicable.

Ready to start?

Run the free eligibility check first, then get your personalized roadmap and document checklist.

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Fees and timelines are as published by the relevant agency and may change — verify before filing. This guide is general information, not legal advice.