SBA Form 413, Personal Financial Statement Completed Form Examples and Samples
Explore free, detailed examples of a completed SBA Form 413, Personal Financial Statement. Our filled-out samples guide small business owners in accurately declaring assets, liabilities, and income for SBA loan applications like the 7(a) program.
SBA Form 413 Example – Small Business Owner Applying for a 7(a) Loan
How this form was filled:
This is an example of a completed SBA Form 413 for a married couple, John and Jane Smith, who are co-owners of a small restaurant. They are applying for an SBA 7(a) loan. This sample shows how to properly document joint assets, liabilities, sources of income, and the valuation of their business interest to provide a complete financial picture to the SBA.
Information used to fill out the document:
- Applicant Name: John Smith
- Spouse Name: Jane Smith
- Business Name: The Corner Bistro, LLC
- Home Address: 456 Oak Avenue, Anytown, USA 12345
- Statement Date: 01/15/2026
- Total Assets: $1,240,000
- Total Liabilities: $420,000
- Net Worth: $820,000
- Primary Asset (Home): Value $650,000
- Primary Liability (Mortgage): Balance $350,000
- Business Interest Asset: Value $250,000
- Retirement Accounts: $150,000
- Annual Salary Income: $120,000
- Loan Application: SBA 7(a) Loan
What this filled form sample shows:
- Comprehensive Asset Declaration: All personal assets, including cash, investments, retirement funds, and personal property are itemized.
- Detailed Liability Schedule: Mortgages, auto loans, credit card debt, and other liabilities are clearly listed with their corresponding values.
- Business Ownership Valuation: The applicant's ownership percentage and estimated value of their business are correctly included as an asset.
- Joint Financial Picture: The form includes financial data for both the applicant and their spouse, as is often required for joint ownership or community property states.
- Accurate Net Worth Calculation: Demonstrates the correct formula (Total Assets - Total Liabilities = Net Worth) used by the SBA to assess financial health.
Form specifications and details:
| Form Name: | SBA Form 413, Personal Financial Statement |
| Form Revision Date: | (OMB Control No. 3245-0188, Expiration Date: 09/30/2026) |
| Use Case: | Married small business co-owners applying for an SBA 7(a) loan. |
| Filing Status: | Joint statement for applicant and spouse |
Created: February 02, 2026 11:02 PM
