SBA 413 2018 free printable template

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What is SBA 413

The US Small Business Administration Personal Financial Statement is a financial document used by loan applicants to assess their repayment capability for SBA loans or surety bonds.

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Who needs SBA 413?

Explore how professionals across industries use pdfFiller.

SBA 413 is needed by:

Small business owners seeking financing.
Partners or co-owners applying for loans.
Guarantors involved in loan applications.
Individuals applying for 7(a) or 504 loans.
Spouses required for joint loan applications.
Certified Development Companies processing loans.

Comprehensive Guide to SBA 413

What is the US Small Business Administration Personal Financial Statement?

The US Small Business Administration Personal Financial Statement, known as Form 413, is a crucial document for evaluating the creditworthiness of individuals seeking SBA loans. This form is essential for applicants applying for different types of loans, including the 7(a) loan program, the 504 loan program, and surety bonds. It must be completed by owners, partners, proprietors, and guarantors involved in the loan application process.

Purpose and Benefits of the Personal Financial Statement

This form serves multiple purposes, primarily analyzing the applicant's ability to repay the loan and establishing their financial stability. A properly completed personal financial statement can significantly streamline the loan application and approval process. Accuracy in financial disclosures is vital, as any discrepancies could lead to delays or denials in loan applications.

Key Features of the US Small Business Administration Personal Financial Statement

Key features of the Personal Financial Statement include:

Sections outlining assets, liabilities, and income.
Required signatures from both the applicant and their spouse.
Attention to detail is necessary to ensure all fields are filled out completely.

These elements provide a comprehensive overview of an applicant’s financial situation, which lenders rely on for evaluating loan eligibility.

Who Needs the Personal Financial Statement?

The Personal Financial Statement must be completed by various individuals involved in the loan process, including owners, partners, and guarantors. It is required in different scenarios such as new loan applications and renewals, ensuring that everyone with a financial stake provides necessary disclosures to support their application.

How to Fill Out the US Small Business Administration Personal Financial Statement Online

To successfully complete the Personal Financial Statement online, follow these steps:

Gather necessary financial information, including income statements, asset documentation, and details on liabilities.
Access the form through a secure platform like pdfFiller.
Complete each section accurately, ensuring all fields are filled.
Review the form for any common mistakes, such as missing signatures or incorrect figures.

Preparing beforehand is key to avoid errors that could delay your application.

Submission Methods for the Personal Financial Statement

Once the Personal Financial Statement is completed, applicants can submit it through several methods. Options include:

Online submission via platforms like pdfFiller.
Mailing the completed form directly to the lender.

It is essential to be aware of deadlines and processing times based on which type of loan you're applying for, as this can affect the overall application timeline.

Security and Compliance When Handling the Personal Financial Statement

When dealing with sensitive information in the Personal Financial Statement, data security is paramount. Users can be reassured by features like 256-bit encryption and adherence to compliance standards such as SOC 2 Type II, HIPAA, and GDPR. Privacy measures in place when using platforms like pdfFiller ensure that personal data remains secure throughout the completion and submission process.

Sample of a Completed US Small Business Administration Personal Financial Statement

Providing users with a visual reference of a completed Personal Financial Statement can enhance their understanding of the form's requirements. This sample aids in interpreting the information presented, offering insight into how to accurately fill out each section, including specific financial details like income and liabilities.

Explore How pdfFiller Can Simplify Your Experience with the Personal Financial Statement

pdfFiller can enhance your experience with the Personal Financial Statement through various capabilities. Users can easily edit text and images, eSign documents, and share their forms securely. By taking advantage of these features, applicants can achieve increased accuracy and security in their submissions, making the online completion process more convenient and efficient.

Last updated on Aug 13, 2026

How to fill out the SBA 413

1.

To access the US Small Business Administration Personal Financial Statement, go to pdfFiller's website and search for 'SBA Form 413'. Click on the form to open it in the editor.
2.

Familiarize yourself with the form layout and sections including assets, liabilities, and income details. Use pdfFiller's interface to navigate between fields seamlessly.
3.

Before starting, gather necessary information such as income statements, bank statements, asset lists, and liability details. Ensure you have documentation ready for each section.
4.

Begin filling out the form by entering your personal and business information in the relevant fields. Utilize the fillable checkboxes and input spaces provided.
5.

Make sure to provide accurate financial details and complete all sections as required. Reference any instructions or prompts within the pdfFiller interface for guidance.
6.

Once you've filled out the form, review all entries for completeness and accuracy. Double-check figures and ensure all required sections are filled.
7.

To finalize your form, use pdfFiller’s review tools to ensure no mistakes remain. Save your work periodically to avoid data loss.
8.

Finally, save the completed form in your preferred format, download it to your device, or submit it directly through pdfFiller’s submission options to your chosen lender or agency.

FAQs

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Who must complete the Personal Financial Statement?

The Personal Financial Statement must be completed by proprietors, partners, owners, and guarantors seeking SBA loans or surety bonds.

What are the eligibility requirements for SBA loans?

Eligibility requirements for SBA loans include being a small business as defined by the SBA, demonstrating creditworthiness, and fulfilling specific financial criteria outlined by the lender.

How and where do I submit the Personal Financial Statement?

Submit the completed Personal Financial Statement to your lender, Certified Development Company, or surety company processing your loan application. Ensure all signatures and required documents are included.

Is notarization required for this form?

No, the US Small Business Administration Personal Financial Statement does not require notarization. However, ensure all signatures are provided as needed by the lenders.

What common mistakes should I avoid while filling out this form?

Common mistakes include missing signatures, incomplete sections, and inaccurate financial information. Double-check all entries to ensure accuracy before submission.

What supporting documents should I prepare?

Supporting documents may include personal and business bank statements, tax returns, asset evaluations, and other documentation that reflects your financial situation.

How can I verify the processing times for my loan application?

Processing times can vary by lender. It's best to consult your loan officer for specific timelines regarding your Personal Financial Statement and loan application.