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Fill out SBA Form 413 (Personal Financial Statement) online

SBA Form 413 is a personal financial statement required by the Small Business Administration as part of business loan applications. It provides a snapshot of the applicant's personal assets, liabilities, and net worth.

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How to fill out SBA Form 413 (Personal Financial Statement)

1

List all assets

Enter current values for cash on hand, savings accounts, IRA/retirement accounts, stocks and bonds, real estate, automobiles, and other personal property.

2

List all liabilities

Enter outstanding balances for all debts including mortgages, notes payable, credit cards, auto loans, and any other obligations.

3

Complete the supplemental schedules

Fill in the schedules for real estate owned, stocks and bonds, and any other detailed asset/liability sections required.

4

Calculate net worth and sign

Total assets minus total liabilities equals your net worth. Review all entries for accuracy, sign and date the form.

About SBA Form 413 (Personal Financial Statement)

Who needs this form

Business owners and guarantors applying for SBA loans (7(a), 504, microloans, or disaster loans). Each owner with 20% or more ownership typically must submit a personal financial statement.

Where to submit

Submit to your SBA-approved lender as part of your loan application package. The lender forwards it to the SBA with the full application.

Source and content freshness

Official source (www.sba.gov)
  • Reviewed: 2026-02-16
  • Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.

Common mistakes to avoid

  • Underreporting liabilities (include all debts, co-signed loans, and contingent liabilities)
  • Not updating the form to reflect current values of assets
  • Omitting real estate holdings or other significant assets
  • Not including all required attachments (schedules for real estate, stocks, etc.)

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Who needs to fill out SBA Form 413?
Generally, each proprietor, partner, officer, director, or stockholder with 20% or more ownership in the applicant business must submit a personal financial statement. For disaster loan applications, the threshold may be different. Check with your lender or the SBA for specific requirements for your loan type.

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