SBA Form 413: Personal Financial Statement (7(a) / 504 Loans & Surety Bonds)
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JustFill is not affiliated with U.S. Small Business Administration (SBA). This is an independent third-party tool to help you complete SBA Form 413. Always download the current blank form from the official source and verify your completed copy before signing or submitting. Official SBA Form 413 from U.S. Small Business Administration (SBA)
SBA Form 413, Personal Financial Statement, is the 4-page U.S. Small Business Administration disclosure that 20%-or-more business owners, partners, officers, and loan guarantors must complete when applying for an SBA 7(a), 504, or disaster loan. It summarizes personal assets, liabilities, net worth, and contingent liabilities. Open SBA Form 413 in JustFill to complete all 4 pages online.
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SBA Form 413 (Personal Financial Statement) is the mandatory 4-page personal balance sheet and income disclosure required by the U.S. Small Business Administration for SBA 7(a) business loans, SBA 504 Certified Development Company (CDC) real estate and equipment loans, Surety Bond Guarantee applications, and Economic Injury / Physical Disaster loans. Every proprietor, general partner, managing LLC member, and any individual or entity owning 20% or more of the applicant business (plus any proposed personal guarantor) must submit a current SBA Form 413 dated within 90 days of the loan application. Across its 4 pages, the form captures a side-by-side Personal Balance Sheet (Assets vs. Liabilities and Net Worth), Sources of Income and Contingent Liabilities, and five detailed supporting schedules: Section 2 (Notes Payable to Banks and Others), Section 3 (Stocks and Bonds), Section 4 (Real Estate Owned — Properties A, B, and C), Section 5 (Other Personal Property and Other Assets), and Section 6–8 (Unpaid Taxes, Other Liabilities, and Life Insurance Held). Upload the 4-page SBA Form 413 PDF in JustFill to complete every table and calculation online.
The official 4-page SBA Form 413 PDF is a U.S. federal government publication in the public domain and is free to download at sba.gov/document/sba-form-413-personal-financial-statement. Open SBA Form 413 in JustFill to complete the Page 1 balance sheet and Sections 1 through 8 online and download a clean PDF for your SBA lender.
What each section of SBA Form 413 asks for. JustFill’s AI will detect these fields automatically when you upload the PDF — review the breakdown below so you know what to enter.
As-of date of financial statement (must be within 90 days of submission), SBA program type (7(a) / 504 / Surety Bonds / Disaster), applicant name, home address, business name of applicant/borrower, and whether the applicant is married or unmarried (vital for community-property states).
Assets column: Cash on hand & in banks, savings accounts, IRA or other retirement accounts, accounts & notes receivable, life insurance cash surrender value only, stocks and bonds (Section 3), real estate (Section 4), automobiles, other personal property (Section 5), and other assets. Liabilities column: Accounts payable, notes payable to banks and others (Section 2), installment account auto and other (with monthly payments), loan on life insurance, mortgages on real estate (Section 4), unpaid taxes (Section 6), other liabilities (Section 7), Total Liabilities, and Net Worth (Total Assets minus Total Liabilities).
Annual salary, net investment income, real estate income, and other income (alimony/child support need not be disclosed unless relied upon for credit), alongside Contingent Liabilities as endorser/co-maker/guarantor, legal claims & judgments, provision for federal income tax, and other special debt.
Section 2 itemizes every non-mortgage note/credit card/line of credit (name and address of noteholder, original balance, current balance, payment amount, frequency, and how secured/endorsed). Section 3 lists marketable securities (number of shares, name of securities, cost, market value quotation/exchange, date of quotation, and total value).
Section 4 details Properties A, B, and C (type of residential/commercial/rental property, full address, date purchased, original cost, present market value, mortgage holder name/address, mortgage account number, mortgage balance, amount of payment per month/year, and status of mortgage: current, foreclosed, or in arrears). Section 5 describes personal property and retirement/other assets and notes whether any are pledged as security.
Details of any unpaid taxes (Section 6), other liabilities (Section 7), and life insurance policies showing face amount, cash surrender value, beneficiaries, and insurance company (Section 8), followed by the federal criminal false-statement notices (18 U.S.C. § 1001 and 15 U.S.C. § 645) and signatures of the applicant and spouse (if joint or community property).
A 50% owner of a precision manufacturing company in Charlotte, NC completes the 4-page SBA Form 413 as of October 15, 2026 in support of an SBA 7(a) equipment and working-capital loan application. All names and numbers are fictional.
☑ 7(a) loan / 504 loan / Surety Bonds · As of: 10/15/2026 · Name: SAMPLE, GREGORY H · Applicant Business: Sample Piedmont Precision LLC · Home: 2140 Sample Myers Park Rd, Charlotte, NC 28207 · Marital Status: ☑ Married
Establishes a current "As of" date within 90 days of the SBA 7(a) loan application.
Assets: Cash/Savings $68,000 + IRA Retirement $195,000 + Stocks/Bonds $52,000 + Real Estate $540,000 + Automobiles $35,000 + Other Personal Property $25,000 = Total Assets $915,000 · Liabilities: Notes Payable (Sec. 2) $8,500 + Auto Installment $14,500 + Real Estate Mortgage (Sec. 4) $312,000 = Total Liabilities $335,000 · Net Worth: $580,000 · Total Liabilities + Net Worth: $915,000
Balances Total Assets ($915,000) with Total Liabilities ($335,000) plus Net Worth ($580,000).
Section 1 Income: Salary $145,000; Net Investment Income $3,200 · Section 4 Property A: Primary Residence at 2140 Sample Myers Park Rd, Charlotte, NC 28207; Original Cost $410,000; Present Market Value $540,000; Mortgage Balance $312,000 ($2,350/mo); Status: Current
Matches the Section 4 Present Market Value ($540,000) and Mortgage Balance ($312,000) to the Page 1 balance sheet lines.
Signed by Gregory H. Sample (SSN •••-••-6284) and spouse Evelyn M. Sample on 10/23/2026
Both spouses sign when jointly owned marital assets and residence are reported on the statement.
These values are made up. They are here to show what belongs on each line, not to be copied — every name, number, and address on your own SBA Form 413 has to be your own.
Where you submit your signed SBA Form 413 depends on whether you are applying for an SBA 7(a) or 504 commercial loan through an SBA-approved lender or applying directly to the SBA for a Disaster Loan or 8(a) / WOSB certification.
Use this if the address is in: Applicants and 20%+ guarantors for SBA 7(a) working capital/acquisition loans and SBA 504 real estate/equipment loans
Use this if the address is in: Applicants submitting a paper Personal Financial Statement for an SBA Physical or Economic Injury Disaster Loan (EIDL)
If joint assets (such as a jointly titled primary residence or joint bank accounts) are included on Page 1, both spouses should sign and date Page 3.
Checked against the official U.S. Small Business Administration (SBA) instructions on 2026-10-23. Destinations change — confirm on the U.S. Small Business Administration (SBA) page before you send anything.
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Don't have the PDF on your computer yet? One click opens an interactive SBA Form 413 worksheet in JustFill — or upload your own official PDF copy below.
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PDF, Word (.docx), JPG, PNG, WebP, HEIC, GIF and BMP. Instant field preview in browser — no credit card required.
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Official source: SBA Form 413 on U.S. Small Business Administration (SBA)’s website
Edition checked: SBA Form 413 (05-21, 4 pages; OMB Control No. 3245-0188). Verified against the official source on · Verified in our Government Forms Fillability Study.
JustFill is an independent product and is not affiliated with, endorsed by, or sponsored by U.S. Small Business Administration (SBA) or any government agency. Always verify your completed form on the official version before signing or submitting.