SBA Form 413, Personal Financial Statement Instructions

Check this box if you are completing the form for a 7(a) loan, 504 loan, or surety bond.

Check this box if you are completing the form for a Disaster Business Loan Application.

Enter the applicant's full name.

Enter the applicant's business phone number.

Enter the applicant's home phone number.

Enter the total amount of cash on hand and held in bank accounts.

Enter the total amount held in savings accounts.

Enter the total value of IRAs and other retirement accounts.

Enter the total value of accounts and notes receivable.

Enter only the cash surrender value of life insurance policies.

Enter the total value of stocks and bonds owned.

Enter the total value of real estate owned.

Enter the total value of automobiles owned.

Enter the total value of other personal property owned.

Enter the total value of assets not included in the preceding asset categories.

Enter the sum of the amounts listed in the assets column.

Enter the name of the applicant’s or borrower’s business.

Enter the business address if it differs from the home address. Fill only if 'Home Address' differs from the business address.

Check this box if the applicant’s business is a corporation.

Check this box if the applicant’s business is an S corporation.

Check this box if the applicant’s business is a limited liability company (LLC).

Check this box if the applicant’s business is a partnership.

Check this box if the applicant operates the business as a sole proprietor.

Enter the amount of your contingent liability as an endorser or co-maker.

Enter the amount of your contingent liability for legal claims and judgments.

Enter the amount of your contingent liability for federal income tax.

Enter the amount of your contingent liability for other special debt.

Enter the outstanding mortgage balance for Property A. Fill only if 'Mortgages on Real Estate' is reported.

Enter the outstanding mortgage balance for Property B. Fill only if 'Mortgages on Real Estate' is reported.

Enter the outstanding mortgage balance for Property C. Fill only if 'Mortgages on Real Estate' is reported.

Provide the name and address of the holder of the fifth note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Provide the original balance of the fifth note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Provide the current balance of the fifth note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Provide the amount of each payment on the fifth note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Provide how often payments are made on the fifth note payable, such as monthly. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Describe how the fifth note payable is secured or endorsed, including the type of collateral. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the current market value of Property A. Fill only if 'Real Estate' is reported.

Enter the current market value of Property B. Fill only if 'Real Estate' is reported.

Enter the current market value of Property C. Fill only if 'Real Estate' is reported.

Enter the name and address of the holder of the first note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the original balance of the first note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the current balance of the first note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the amount of each payment on the first note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter how often payments are made on the first note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Describe how the first note payable is secured or endorsed, including the type of collateral. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the type of real estate for Property A, such as primary residence, other residence, rental property, or land. Fill only if 'Real Estate' is reported.

Enter the type of real estate for Property B, such as primary residence, other residence, rental property, or land. Fill only if 'Real Estate' is reported.

Enter the type of real estate for Property C, such as primary residence, other residence, rental property, or land. Fill only if 'Real Estate' is reported.

Enter the date the first signer signs the certification.

Enter the first signer's name as it should appear in print.

Enter the first signer's Social Security number.

Enter the number of shares held for this stocks and bonds entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the name of the stock, bond, or other security. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the cost of the securities in this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the market value quotation or exchange price for the securities. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the date of the market value quotation or exchange price. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the total value of the securities in this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the name and address of the holder of the fourth note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the original balance of the fourth note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the current outstanding balance of the fourth note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the amount of each payment on the fourth note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter how often payments are made on the fourth note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Describe how the fourth note payable is secured or endorsed, including the type of collateral if applicable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the original purchase cost of Property A. Fill only if 'Real Estate' is reported.

Enter the original purchase cost of Property B. Fill only if 'Real Estate' is reported.

Enter the original purchase cost of Property C. Fill only if 'Real Estate' is reported.

Enter the number of shares held for the fourth stocks and bonds entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the name of the stock or bond for the fourth stocks and bonds entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the cost of the securities for the fourth stocks and bonds entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the quoted or exchange-reported market value for the securities in the fourth stocks and bonds entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the date of the market value quotation or exchange price for the fourth stocks and bonds entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the total value of the securities for the fourth stocks and bonds entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the street address of your home.

Enter the city, state, and ZIP code of your home address.

Enter the date as of which the information on this form is current.

Enter the total amount owed on accounts payable, omitting cents.

Enter the total amount owed on notes payable to banks and others, omitting cents.

Enter the outstanding balance on the automobile installment account, omitting cents.

Enter the monthly payment amount for the automobile installment account, omitting cents.

Enter the outstanding balance on installment accounts other than automobile accounts, omitting cents.

Enter the monthly payment amount for other installment accounts, omitting cents.

Enter the outstanding amount of loans against life insurance, omitting cents.

Enter the outstanding balance of mortgages on real estate, omitting cents.

Enter the total amount of unpaid taxes, omitting cents.

Enter the total amount of liabilities not listed in the preceding categories, omitting cents.

Enter the sum of all liabilities listed above, omitting cents.

Enter total assets minus total liabilities, omitting cents.

List each life insurance policy held, including its face amount, cash surrender value, insurance company, and beneficiaries. Fill only if 'Life Insurance – Cash Surrender Value Only' is greater than 0.

Enter the amount paid toward the mortgage on Property A per month or year. Fill only if 'Mortgages on Real Estate' is reported.

Enter the amount paid toward the mortgage on Property B per month or year. Fill only if 'Mortgages on Real Estate' is reported.

Enter the amount paid toward the mortgage on Property C per month or year. Fill only if 'Mortgages on Real Estate' is reported.

Describe in detail any liabilities not reported elsewhere on the form. Fill only if 'Other Liabilities' is greater than 0.

Enter the name and address of the noteholder for the second note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the original balance of the second note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the current outstanding balance of the second note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the amount of each payment on the second note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter how often payments are made on the second note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Describe how the second note payable is secured or endorsed, including the type of collateral. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the address of the real estate listed as Property A. Fill only if 'Real Estate' is reported.

Enter the address of the real estate listed as Property B. Fill only if 'Real Estate' is reported.

Enter the address of the real estate listed as Property C. Fill only if 'Real Estate' is reported.

Enter the date the second signer signed the certification.

Enter the second signer's full name as it should appear in print.

Enter the second signer's Social Security number.

Enter the number of shares held for the second stock or bond entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the name of the stock or bond for this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the cost of the securities in this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the market value quotation for the securities in this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the date of the market value quotation or exchange used for this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the total value of the securities in this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Describe your other personal property and assets, and for any pledged as security, provide the lienholder’s name and address, lien amount, payment terms, and any delinquency. Fill only if 'Other Personal Property' or 'Other Assets' is reported.

Enter the mortgage account number for Property A. Fill only if 'Mortgages on Real Estate' is reported.

Enter the mortgage account number for Property B. Fill only if 'Mortgages on Real Estate' is reported.

Enter the mortgage account number for Property C. Fill only if 'Mortgages on Real Estate' is reported.

Enter the name and address of the mortgage holder for Property A. Fill only if 'Mortgages on Real Estate' is reported.

Enter the name and address of the mortgage holder for Property B. Fill only if 'Mortgages on Real Estate' is reported.

Enter the name and address of the mortgage holder for Property C. Fill only if 'Mortgages on Real Estate' is reported.

Enter the amount of income received from salary.

Enter the net amount of income received from investments.

Enter the amount of income received from real estate.

Enter the amount of other income described in the section below.

Describe the source of the other income entered in Section 1, excluding alimony or child support unless you want those payments counted toward total income. Fill only if 'Other Income' includes other income that needs to be described.

Enter the current status of the mortgage on Property A. Fill only if 'Mortgages on Real Estate' is reported.

Enter the current status of the mortgage on Property B. Fill only if 'Mortgages on Real Estate' is reported.

Enter the current status of the mortgage on Property C. Fill only if 'Mortgages on Real Estate' is reported.

Enter the name and address of the holder of the third note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the original balance of the third note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the current outstanding balance of the third note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the amount of each payment on the third note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter how often payments are made on the third note payable. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Describe how the third note payable is secured or endorsed, including the type of collateral. Fill only if 'Notes Payable to Banks and Others' is greater than zero.

Enter the date Property A was purchased. Fill only if 'Real Estate' is reported.

Enter the date Property B was purchased. Fill only if 'Real Estate' is reported.

Enter the date Property C was purchased. Fill only if 'Real Estate' is reported.

Enter the number of shares held for the third stock or bond listed. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the name of the stock or bond held for this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the purchase cost of the securities in this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the market value quotation or exchange price used to value these securities. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the date of the market value quotation or exchange price for these securities. Fill only if 'Stocks and Bonds' is greater than zero.

Enter the total value of the securities in this entry. Fill only if 'Stocks and Bonds' is greater than zero.

Describe each unpaid tax, including its type, to whom it is payable, when it is due, the amount owed, and any property to which a tax lien attaches. Fill only if 'Unpaid Taxes' is greater than 0.

Check this box if you are completing this form in connection with the Women-Owned Small Business (WOSB) Federal Contracting Program.

Check this box if you are completing this form in connection with the 8(a) Business Development Program.

Check this box if the WOSB applicant is married. Fill only if 'Women Owned Small Business (WOSB) Federal Contracting Program' is 'Yes'.

Check this box if the WOSB applicant is not married. Fill only if 'Women Owned Small Business (WOSB) Federal Contracting Program' is 'Yes'.