Personal Financial Statement Template

Most lenders ask every owner of a small business for a personal financial statement listing personal assets, liabilities and income. This simple template organizes that information and calculates your net worth. Your lender may require their own form, so use this to gather the numbers first.

Preview of the Personal Financial Statement Template

Free download. No sign-up, no email.

Download Excel (.xlsx)6 KB
  • Formulas built in, just fill the yellow cells
  • Works in Excel, Google Sheets and LibreOffice
  • Example numbers show how it works

Who this template is for

  • Small business loan applicants
  • Owners applying for leases or credit
  • Anyone tracking personal net worth

How to fill it in

  1. List cash, retirement and investment accounts.
  2. Add real estate, vehicles and other assets.
  3. List mortgages, loans and credit cards.
  4. Enter annual income sources.
  5. Review your net worth.

What is inside

  • Sheet: Personal Financial Statement
  • Name
  • Business name
  • As of date
  • Assets
  • Cash in checking and savings
  • Retirement accounts (IRA, 401k)
  • Stocks and bonds
  • Life insurance cash value
  • Primary residence (market value)
  • Vehicles
  • Ownership in businesses
  • Total assets
  • Liabilities
  • Mortgage on primary residence
  • Mortgages on other real estate
  • Auto loans
  • Credit card balances
  • Student loans
  • Unpaid taxes
  • Total liabilities
  • NET WORTH
  • Annual income
  • Salary
  • Business income
  • Investment income

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Frequently asked questions

Why do lenders want a personal financial statement?

Small business loans are often personally guaranteed, so the lender wants to know the owner's overall financial position.

Is this the same as SBA Form 413?

No. This is a general worksheet. If your lender requires a specific form, use theirs and copy your numbers into it.

Is this personal financial statement template free to use?

Yes. Download it, edit it and use it for your own business at no cost. No account or email address is required.

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