Personal financial statement
For individuals applying for a business loan, a lease guarantee, a large apartment or an investment where the other party wants to see net worth. It lists assets and debts, calculates net worth, summarizes income, details real estate owned, and ends with a certification and signature.
- Fields
- 68
- Pages
- 4
- Paper
- Letter
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Reviewed
Before you start
What you need to fill it in
- Current balances of bank, brokerage and retirement accounts
- Estimated market value of real estate, vehicles and valuable property
- Balances owed on mortgages, auto loans, student loans and credit cards
- Your annual income by source
- Any guarantees, co-signed loans or legal claims against you
What's inside
68 fields, ready to fill
- 51Typed answersnames, addresses, descriptions
- 3Dateschecked as real dates
- 9Calculatedfill themselves from other fields
- 3Choicescheckboxes, options, dropdowns
- 2Signaturessignature and initials
4 required — the editor counts down how many are left while you fill.
Instructions
How to fill out the Personal financial statement
- 1
Fill personal details
Enter your name, address, contact details and the date the figures are as of. Add a spouse or co-applicant if the statement is joint.
- 2
List assets
Enter current values. Use account statements for financial assets and a realistic market value for property and vehicles.
- 3
List liabilities
Enter balances owed, not monthly payments. Net worth calculates as assets minus liabilities.
- 4
Detail real estate
For each property list its address, market value and loan balance. Equity calculates per property.
- 5
Disclose contingent liabilities
Answer each question honestly, including personal guarantees of business debt.
- 6
Sign and protect
Sign the certification. Before emailing, protect the PDF with a password because it contains sensitive financial details.
Fill it online
What filling it looks like
- Edit & fill, Invite to sign and Create form are three modes of the same editor
- Amounts are formula fields: they calculate as you type
- The field navigator counts what's left and jumps to the next field
Shown with our invoice template. Sample content; names are fictional.
Written for: General (US)
This template is a summary format for your own figures. It is not accounting, tax or financial advice, and it is not an audited or reviewed financial statement. Lenders and agencies may require their own forms or statements prepared by an accountant.
Written by PDFBetter and last reviewed October 15, 2026. Spotted a problem? Tell us.
Personal financial statement: questions people ask
Is this the SBA's Form 413?
No. This is an original general-purpose format. If an SBA lender asks for SBA Form 413, use the official form from sba.gov.
What is a contingent liability?
A debt you could become responsible for, such as a loan you co-signed or personally guaranteed, or a pending lawsuit.
Should retirement accounts be included?
Yes, at current value. Some lenders discount them because of withdrawal penalties, so list them on their own line.
How should I send this securely?
Use Protect PDF to add a password, then share the password by phone or text, not in the same email.
Is it a problem if net worth is negative?
It is a fact the reader will weigh. Do not leave out debts to improve it; knowingly false statements to a lender can be a federal crime.
Ready when you are
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