SBA Form 413, Personal Financial Statement Instructions

Check this box if this Personal Financial Statement is being completed for a 7(a) loan, a 504 loan, or for a Surety Bond (i.e., when the applicant is applying for one of these SBA-backed loan/guaranty types).

Check this box when the applicant is claiming 8(a) Business Development Program eligibility (i.e., that the firm is at least 51% owned and controlled by socially and economically disadvantaged individuals and is applying for 8(a) certification).

Enter the applicant's full legal name (first, middle if applicable, and last) exactly as it should appear on official records.

Enter the total amount of cash you or the business currently hold in hand and in all bank accounts for this reporting date.

Enter the total current accounts payable balance owed by you or the business as of this reporting date.

Enter the total value of other personal or miscellaneous assets for row 10 as reported in the assets column.

Enter the total amount of all liabilities shown in the liabilities column for row 10.

Enter the sum of all asset values from the assets column for this row (the total assets amount).

Enter the calculated net worth value (total assets minus total liabilities) for this row.

Enter the current balance held in savings accounts for this applicant/borrower.

Enter the outstanding principal amount owed on notes payable to banks and other lenders for this applicant/borrower.

Enter the current dollar value of the IRA or other retirement account listed on this assets row.

Enter the outstanding dollar balance owed on the auto installment account shown on this liabilities row.

Enter the monthly payment amount for the auto installment account. Fill only if 'Row 3 - Installment Account (Auto) Balance' has an amount.

Enter the total dollar amount of accounts and notes receivable for this row as reported on your balance sheet.

Enter the outstanding principal balance (dollars) for the 'Other' installment account shown in this row.

Enter the monthly payment amount (dollars) for the 'Other' installment account shown on this row. Fill only if 'Row 4 - Installment Account (Other) Balance' has an amount.

Enter the current cash surrender value of the applicant's life insurance policy.

Enter the total outstanding loan amount(s) secured by the applicant's life insurance policies.

Enter the total current value of stocks and bonds owned for this applicant/borrower.

Enter the total outstanding balance of mortgages on real estate owed by the applicant/borrower.

Enter the total current dollar amount of real estate assets for this entry as reported on the form (describe property details in Section 4).

Enter the total current dollar amount of unpaid taxes related to this entry (provide supporting details in Section 6).

Enter the dollar value of automobiles owned for this row (total market or resale value), corresponding to the Automobiles line; include the vehicle details (year/make/model) in the referenced section.

Enter the total dollar amount of other liabilities for this row that are not listed elsewhere, corresponding to the Other Liabilities line and described in the referenced section.

Enter the total value of other personal property owned by the applicant for this assets row, corresponding to items described in Section 5.

Enter the full legal name of the business for the applicant or borrower as it should appear on official documents.

Enter the business street address (including suite or unit if applicable) only if it is different from the home address. Fill only if 'Home Address - Street' is different than business address.

Check this box if the applicant's business is organized as a corporation (C corporation).

Check this box if the applicant's business is organized as an S corporation (S-Corp) for tax purposes.

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

Check this box if the applicant's business is organized as a partnership (general or limited).

Check this box if the applicant operates the business as a sole proprietorship (owned by an individual).

Enter the date on which the first signer signs the certification.

Enter the first signer's full name as printed.

Enter the first signer's Social Security number.

Enter the date the second signer signs the certification. Fill only if 'Married' is 'Yes'.

Print the full legal name of the second signer. Fill only if 'Married' is 'Yes'.

Enter the second signer's Social Security Number. Fill only if 'Married' is 'Yes'.

Provide a clear description of any other income reported in Section 1 (for example sources and amounts and how often received) that you want considered as part of total income. Fill only if 'Row 4 — Other Income' has an amount.

Check this box if you are submitting the Personal Financial Statement as part of an application for a Disaster Business Loan (i.e., you are an applicant, general partner, managing member of an LLC, or other required signer applying for SBA disaster loan assistance).

Enter the applicant's full residential street address including house number, apartment or unit number and street name.

Enter the city, state and ZIP code for the home address in a single line (e.g., Anytown, CA 90210).

Enter the applicant's salary amount reported in Income Row 1 for the Source of Income section.

Enter the total amount of contingent liability the applicant has as an endorser or co‑maker corresponding to Income Row 1.

Enter the applicant/borrower’s net investment income for Row 2, representing investment-derived income such as interest, dividends, capital gains, and similar items to be reported here.

Enter the total amount of any legal claims or judgments for which the applicant/borrower may be liable (contingent) to be reported in the contingent liabilities column for Row 2.

Enter the total real estate income amount for Row 3 that should be counted as part of the applicant/borrower’s income.

Enter the amount reserved as a provision for federal income tax related to the income reported in Row 3, recorded as a contingent liability.

Enter the amount of other income to be included in Section 1 as part of total income for this row.

Enter the amount of any other special debt to be reported as a contingent liability for this row.

Enter the applicant's business phone number including area code (for example 555-123-4567).

Enter the applicant's home phone number including area code (for example 555-123-4567).

Enter the full name and mailing address of the first noteholder (lender) for this note payable. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the original principal balance of the note payable owed to the first noteholder. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the current outstanding balance owed on the note payable to the first noteholder. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the amount of each regular payment made on the note payable to the first noteholder. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter how often payments are made on this note payable (for example, monthly, weekly, or quarterly). Fill only if 'Notes Payable to Banks and Others' is completed.

Describe how the note is secured or endorsed, including the type of collateral (if any). Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the full name and mailing address of the second noteholder (bank or other lender). Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the original principal balance of the note owed to the second noteholder. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the current outstanding balance still owed to the second noteholder. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the regular payment amount due on this note to the second noteholder. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter how often payments are made on this note (for example, monthly, quarterly, or annually). Fill only if 'Notes Payable to Banks and Others' is completed.

Describe how the note is secured or endorsed and list the type of collateral, if any. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the full name and mailing address of the third noteholder (lender/creditor) for this note payable. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the original principal balance of the note payable owed to the third noteholder. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the current outstanding balance owed to the third noteholder as of the date of this statement. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the amount of each regular payment made on this note payable to the third noteholder. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter how often payments are made on this note (for example, monthly, quarterly, or annually). Fill only if 'Notes Payable to Banks and Others' is completed.

Describe how the note is secured or endorsed, including the type of collateral, if any. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the name and address of the fourth noteholder (bank or other lender) for this notes payable entry. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the original principal balance of the fourth note payable when the debt was first incurred. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the current outstanding balance still owed on the fourth note payable. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the amount of each regular payment due on the fourth note payable. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter how often payments are made on the fourth note payable (for example, monthly or quarterly). Fill only if 'Notes Payable to Banks and Others' is completed.

Describe how the fourth note payable is secured or endorsed, including the type of collateral (if any). Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the full name and address of the fifth noteholder (lender). Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the original loan balance for the fifth note payable. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the current outstanding balance owed on the fifth note payable. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter the regular payment amount due for the fifth note payable. Fill only if 'Notes Payable to Banks and Others' is completed.

Enter how often payments are made for the fifth note payable (e.g., monthly, quarterly). Fill only if 'Notes Payable to Banks and Others' is completed.

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 completed.

Enter the number of shares held for the stock or bond listed in this row. Fill only if 'Stocks and Bonds' is completed.

Enter the name of the security (stock or bond) for this entry. Fill only if 'Stocks and Bonds' is completed.

Enter the cost (purchase price or basis) of the securities listed in this row. Fill only if 'Stocks and Bonds' is completed.

Enter the market value of the securities based on the quoted price or exchange value. Fill only if 'Stocks and Bonds' is completed.

Enter the date on which the market value quotation or exchange value was obtained. Fill only if 'Stocks and Bonds' is completed.

Enter the total value of this holding as of the quotation/exchange date. Fill only if 'Stocks and Bonds' is completed.

Enter the number of shares or units held for this stock or bond. Fill only if 'Stocks and Bonds' is completed.

Enter the name/description of the security (stock, bond, mutual fund, etc.). Fill only if 'Stocks and Bonds' is completed.

Enter the cost (cost basis) of the listed security. Fill only if 'Stocks and Bonds' is completed.

Enter the market value price used from the quotation or exchange for this security. Fill only if 'Stocks and Bonds' is completed.

Enter the date on which the market value quotation or exchange price was obtained. Fill only if 'Stocks and Bonds' is completed.

Enter the total current value of this holding. Fill only if 'Stocks and Bonds' is completed.

Enter the number of shares you own for the security listed in this row. Fill only if 'Stocks and Bonds' is completed.

Enter the name of the stock, bond, or other security held. Fill only if 'Stocks and Bonds' is completed.

Enter the cost or purchase price of the security listed in this row. Fill only if 'Stocks and Bonds' is completed.

Enter the market value quotation for the security from the relevant exchange or quoted source. Fill only if 'Stocks and Bonds' is completed.

Enter the date on which the market value quotation or exchange value was determined. Fill only if 'Stocks and Bonds' is completed.

Enter the total current value of the holding for this security. Fill only if 'Stocks and Bonds' is completed.

Enter the number of shares held for the security listed in Row 4. Fill only if 'Stocks and Bonds' is completed.

Enter the name or description of the stock or bond security for Row 4. Fill only if 'Stocks and Bonds' is completed.

Enter the cost (cost basis) of the security listed in Row 4. Fill only if 'Stocks and Bonds' is completed.

Enter the market value quotation or exchange price used to value the security in Row 4. Fill only if 'Stocks and Bonds' is completed.

Enter the date of the market value quotation or exchange used for the Row 4 security. Fill only if 'Stocks and Bonds' is completed.

Enter the total market value of the security holdings listed in Row 4. Fill only if 'Stocks and Bonds' is completed.

Enter the type of real estate for Property A (e.g., primary residence, other residence, rental property, land). Fill only if 'Real Estate' is completed.

Enter the street address (and any unit information) for Property A. Fill only if 'Real Estate' is completed.

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

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

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

Enter the name and address of the lender or mortgage holder for Property A. Fill only if 'Real Estate' is completed.

Enter the mortgage loan account number associated with Property A. Fill only if 'Real Estate' is completed.

Enter the current outstanding mortgage balance for Property A. Fill only if 'Real Estate' is completed.

Enter the mortgage payment amount for Property A and indicate whether it is paid monthly or yearly. Fill only if 'Real Estate' is completed.

Enter the current status of the mortgage for Property A (e.g., current, delinquent, paid off). Fill only if 'Real Estate' is completed.

Enter the type of real estate for Property B (e.g., primary residence, other residence, rental property, land). Fill only if 'Real Estate' is completed.

Enter the full street address for Property B. Fill only if 'Real Estate' is completed.

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

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

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

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

Enter the mortgage account number associated with Property B. Fill only if 'Real Estate' is completed.

Enter the current outstanding mortgage balance for Property B. Fill only if 'Real Estate' is completed.

Enter the mortgage payment amount for Property B per month or per year, as applicable. Fill only if 'Real Estate' is completed.

Enter the current status of the mortgage for Property B (e.g., current, delinquent, paid off). Fill only if 'Real Estate' is completed.

Enter the type of real estate for Property C (e.g., primary residence, rental property, land). Fill only if 'Real Estate' is completed.

Enter the full street address for Property C. Fill only if 'Real Estate' is completed.

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

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

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

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

Enter the mortgage account number associated with Property C. Fill only if 'Real Estate' is completed.

Enter the current outstanding mortgage balance for Property C. Fill only if 'Real Estate' is completed.

Enter the mortgage payment amount for Property C for the applicable period (month or year). Fill only if 'Real Estate' is completed.

Enter the current status of the mortgage for Property C (e.g., current, delinquent, paid off). Fill only if 'Real Estate' is completed.

Describe any other personal property and other assets you own, and if any are pledged as security include the lienholder’s name and address, the lien amount, payment terms, and any delinquency details. Fill only if 'Other Personal Property' is completed.

Describe any unpaid taxes, including the type of tax, who it is payable to, when it is due, the amount owed, and what property (if any) the tax lien attaches to. Fill only if 'Unpaid Taxes' is greater than $0.

Provide a detailed description of any other liabilities you have, including the type of liability, who it is owed to, the amount owed, and any relevant terms or identifying details. Fill only if 'Other Liabilities' is greater than $0.

Provide details of life insurance policies held, including the face amount and cash surrender value, the insurance company name, and the beneficiaries. Fill only if 'Life Insurance – Cash Surrender Value Only' is greater than $0.

The date when the information on this form was last verified and is considered current.

Check this box if you are completing this personal financial statement to claim economic disadvantage for participation in the SBA's Women-Owned Small Business (WOSB) Federal Contracting Program.

Check this box if the WOSB applicant is currently married.

Check this box if the WOSB applicant is not currently married.