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Personal Financial Statement

U.S. Small Business Administration — SBA Form 413

OMB Approval No. 3245-0188
Submitted via NTIB Finance & Consulting
ntibfin.com · 914.419.3059

⇩  Download Fillable PDF
Purpose: This form collects information about the Business Applicant and its owners' financial condition. Complete in its entirety — attach a separate sheet if necessary. This information is current as of the date of submission (within 90 days for 7(a)/504/SBG or 30 days for 8(a) BD).

What Is SBA Form 413?

SBA Form 413, the Personal Financial Statement, is the SBA’s snapshot of your personal finances: everything you own, everything you owe, and your income. Lenders use it to judge repayment ability and to decide what personal assets could support the loan. It is required for SBA 7(a) loans, 504 loans, surety bond guarantees, and the 8(a) and WOSB programs.

Who Has to File One?

Every proprietor, every general partner, every managing member of an LLC, every owner of 20 percent or more of the business, and every guarantor. Married applicants in community property states may also need a spouse’s signature when spousal assets are included.

The Mistakes That Delay Approvals

After decades of packaging SBA applications, the same handful of errors come up: figures older than 90 days (the SBA requires current numbers), a net worth line that does not equal assets minus liabilities, real estate listed without the mortgage balances, forgotten contingent liabilities like co-signed loans, and retirement accounts left out entirely. Any one of these sends the file back and costs weeks.

The form below mirrors the current SBA Form 413 line by line. Complete it online and it comes straight to us for review before anything goes to a lender, or download the fillable PDF above. If you would rather talk it through first, call 914.419.3059. Reviewing your draft is free; if we place your financing, we charge a small fee at closing.

Application Type

Check all that apply

Personal & Business Information

Assets & Liabilities

Omit cents — round to nearest dollar

Assets

Liabilities

Section 1 — Source of Income & Contingent Liabilities

Source of Income

Contingent Liabilities

Section 2 — Notes Payable to Banks and Others

Name & Address of Noteholder Original Balance Current Balance Payment Amount Frequency How Secured / Collateral

Section 3 — Stocks and Bonds

Name of Securities Number of Shares Cost Market Value Total Value Quotation / Exchange Date of Quotation

Section 4 — Real Estate Owned

List each parcel separately
Property A
Property B
Property C

Sections 5–8 — Descriptions & Detail

Certification & Signature

Certification: By signing this form, I certify under penalty of criminal prosecution that all information on this form and any additional supporting information submitted with this form is true and complete to the best of my knowledge. I understand that SBA or its participating Lenders or Certified Development Companies or Surety Companies will rely on this information when making decisions regarding an application for a loan, surety bond, or participation in the WOSB or 8(a) BD program.
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Please provide your signature.

Spouse signature (if required — when spousal assets are included):

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