This application is designed to help you generate a complete, lender-ready Personal Financial Statement (PFS) in the format most commonly required by SBA lenders and traditional banks.

All you need to do is complete the questions accurately and honestly- we’ve made it as easy as possible to understand. Where helpful, you’ll find brief descriptions or examples to guide you. 

How It Works

The form is comprised of four easy-to-follow sections:

1. Basic Information
2. Financials (Assets, Liabilities, Income, etc.)
3. Schedules (Detailed breakdowns)
4. Declarations (Yes/No questions and final statements

 Skip any questions, sections, or entire pages that don't apply to you by clicking 'Next'; at the bottom of any page.

IMPORTANT: Please do not use dollar signs ($) anywhere in this form. Just enter the digits- for example, type 25000 instead of $25,000.00.

Co-Applicants: If your application includes a Co-Applicant who is also the  spouse/significant other of the Applicant, they will complete their portion after the Applicant finishes, within this same form. If your application includes a Co-Applicant is not a spouse/significant other (just business partner), the Co-Applicant will complete an entirely seperate PFS questionaire. If you are filling this out on behalf of both, you can:

• Complete it straight through, or
• Bounce around the sections and come back as needed.

Joint Accounts:
If you and your spouse are both completing this form, list any joint accounts, loans, or properties only in the Applicant’s section. This also means the Co‑Applicant will only be listing individual accounts.

*In an effort to save space, the word 'spouse' will be used to represent both 'spouse' and 'significant other' throughout this questionaire.

Before You Start
Be sure to have access to any relevant financial info, such as:

• Account balances
• Property values
• Outstanding loans
• Life insurance details
• Retirement accounts

If you don’t have an exact number, estimates are fine — just be as consistent and reasonable as possible.

Let’s Get Started!
Click Next to begin the application. You can pause and come back at any time.

Important:
For all financial sections that follow, where applicable you will be able to indicate if an account, asset, or liability is held individually or shared with your spouse/co‑applicant.

All shared/joint accounts should be listed in the Applicant section only. These same fields will be hidden from view when the Co-Applicant is completing their section of the questonaire.

The next section includes detailed 'schedules'- essentially itemized lists of the assets you own and liabilities you may have. These help lenders see exactly what your financial picture looks like behind the scenes.

You’ll be asked to itemize specific categories so lenders can assess your financial structure with precision.

Important: For all currency fields, enter numbers only- no dollar signs ($), no commas, and no symbols.
Example: type 25000 instead of $25,000.

Please complete each table carefully. Accuracy matters here, especially when submitting to SBA lenders.

Applicant Schedule 1 – Cash on Hand / Checking and Savings

If any bank account listed has been used as security for a loan or line of credit, enter the pledged amount under “Collateral Pledged.” Otherwise, leave it blank or enter “0.”

Enter the current balance of each account under “Cash on Hand” — this includes checking and savings accounts (it doesn’t literally mean physical cash.)

Applicant Schedule 1 – Cash on Hand / Checking and Savings (2nd account)

Applicant Schedule 1 – Cash on Hand / Checking and Savings (3rd account)

Applicant Schedule 1 – Cash on Hand / Checking and Savings (4th account)

Applicant Schedule 1 – Cash on Hand / Checking and Savings (5th account)

Applicant Schedule 1 – Cash on Hand / Checking and Savings (6th account)

Applicant Schedule 2 – Public Securities

If you own any publicly traded securities (such as stocks, mutual funds, or bonds), list them below. Use the current market value as of the date of your last statement.

If any securities are pledged as collateral for a loan or line of credit, enter the pledged amount under “Collateral Pledged.” Otherwise, leave it blank or enter “0.”

Use approximate values where needed — exact numbers are not required.

If you don't have any public securities, just click 'Next'.

Applicant Schedule 2 – Public Securities (continued)

Applicant Schedule 2 – Public Securities (continued)

Applicant Schedule 3 – Private Securities

List any privately held securities, such as ownership in a private business, partnership interests, or privately issued bonds.

If any of these are pledged as collateral for a loan or line of credit, enter the pledged amount under “Collateral Pledged.” Otherwise, leave it blank or enter “0.”

Use estimated market values if necessary — just be reasonable and consistent.

Dont' forget your own business!

If you own all or part of a business, even an LLC or S-Corp, that needs to be listed here. Enter the business name as the 'Name of Security', select 'Private/non traded' as the type. Estimate the market value per share if you need to.

Applicant Schedule 3 – Private Securities (continued)

Applicant Schedule 3 – Private Securities (continued)

Applicant Schedule 4 – Retirement / IRA

List all retirement-related accounts, such as IRAs, 401(k)s, pensions, or other qualified retirement plans.

Under 'Type of Account,' indicate whether it’s a Traditional IRA, Roth IRA, SEP IRA, 401(k), Pension, etc.

Enter the current account balance as of your most recent statement.

Applicant Schedule 5 – Life Insurance Carried

Under 'Type of Policy', specify whether it’s Term, Whole Life, Universal Life, or another type. 

Applicant Schedule 6 – Real Estate (Homestead)

List your primary residence(s) only.

Use “Property Type” to describe the home — for example: Single-Family, Condo, Townhouse, etc.

Applicant Schedule 7 – Real Estate (Other)

List any real estate other than your primary residence — such as 2nd homes, vacation homes, rental properties, or land holdings.

Use “Property Type” to describe the asset (e.g. Duplex, Multi-Family, Commercial Lot, Undeveloped Land etc.), and indicate the number of units if it’s income-producing property.

Applicant Schedule 7 – Real Estate (Other Property #2) 

Applicant Schedule 7 – Real Estate (Other Property #3) 

Applicant Schedule 7 – Real Estate (Other Property #4) 

Applicant Schedule 7 – Real Estate (Other Property #5) 

Applicant Schedule 7 – Real Estate (Other Property #6) 

If you select “Yes,” please continue with the rest of this form. After you submit, we will contact you and provide a supplemental sheet where you can list any additional properties beyond six. 

Applicant Schedule 8(A) – Notes Payable to Financial Institutions

List any loans or lines of credit owed to banks, credit unions, or other financial institutions.

Use 'Collateral' to describe what secures the loan, if anything (ex. equipment)
'Repayment Terms' can be something like monthly, interest-only, balloon, etc.

Applicant Schedule 8(A) – Notes Payable to Financial Institutions (continued)

Applicant Schedule 8(A) – Notes Payable to Financial Institutions (continued)

If you select “Yes,” please continue with the rest of this form. After you submit, we will contact you and provide a supplemental sheet where you can list any additional beyond six. 

Applicant Schedule 8(B) – Notes Payable to Others

List any loans owed to individuals, private lenders, or companies other than financial institutions.

'Repayment Terms' can be listed however they were agreed upon — formal or informal.

Applicant Schedule 8(B) – Notes Payable to Others (continued)

Applicant Schedule 8(B) – Notes Payable to Others (continued)

If you select “Yes,” please continue with the rest of this form. After you submit, we will contact you and provide a supplemental sheet where you can list any additional beyond six. 

Applicant Schedule 8(C) – Installment Loans and Contracts

Use this section for any installment-based loans or contracts — typically for specific purchases with fixed payments.

This is different from Schedule 8(A), which is for general-purpose loans or lines of credit from banks or credit unions.

Schedule 8(C) is for things like auto loans, equipment financing, furniture payment plans, solar contracts, or leases — usually tied to the item being financed.

Applicant Schedule 8(C) – Installment Loans and Contracts (continued)

Applicant Schedule 8(C) – Installment Loans and Contracts (continued)

If you select “Yes,” please continue with the rest of this form. After you submit, we will contact you and provide a supplemental sheet where you can list any additional beyond 6. 

The next section includes detailed 'schedules'- essentially itemized lists of the assets you own and liabilities you may have. These help lenders see exactly what your financial picture looks like behind the scenes.

You’ll be asked to itemize specific categories so lenders can assess your financial structure with precision.

Important: For all currency fields, enter numbers only- no dollar signs ($), no commas, and no symbols.
Example: type 25000 instead of $25,000.

Please complete each table carefully. Accuracy matters here, especially when submitting to SBA lenders.

Co-Applicant Schedule 1 – Cash on Hand / Checking and Savings

If any bank account listed has been used as security for a loan or line of credit, enter the pledged amount under “Collateral Pledged.” Otherwise, leave it blank or enter “0.”

Enter the current balance of each account under “Cash on Hand” — this includes checking and savings accounts (it doesn’t literally mean physical cash.)

Co-Applicant Schedule 1 – Cash on Hand / Checking and Savings (continued)

Co-Applicant Schedule 1 – Cash on Hand / Checking and Savings (continued)

Co-Applicant Schedule 2 – Public Securities

If you own any publicly traded securities (such as stocks, mutual funds, or bonds), list them below. Use the current market value as of the date of your last statement.

If any securities are pledged as collateral for a loan or line of credit, enter the pledged amount under “Collateral Pledged.” Otherwise, leave it blank or enter “0.”

Use approximate values where needed — exact numbers are not required.

If you don't have any public securities, just click 'Next'.

Co-Applicant Schedule 2 – Public Securities (continued)

Co-Applicant Schedule 2 – Public Securities (continued)

Co-Applicant Schedule 3 – Private Securities

List any privately held securities, such as ownership in a private business, partnership interests, or privately issued bonds.

If any of these are pledged as collateral for a loan or line of credit, enter the pledged amount under “Collateral Pledged.” Otherwise, leave it blank or enter “0.”

Use estimated market values if necessary — just be reasonable and consistent.

Co-Applicant Schedule 3 – Private Securities (continued)

Co-Applicant Schedule 3 – Private Securities (continued)

Co-Applicant Schedule 4 – Retirement / IRA

List all retirement-related accounts, such as IRAs, 401(k)s, pensions, or other qualified retirement plans.

Under 'Type of Account,' indicate whether it’s a Traditional IRA, Roth IRA, SEP IRA, 401(k), Pension, etc.

Enter the current account balance as of your most recent statement.

Co-Applicant Schedule 5 – Life Insurance Carried

Under 'Type of Policy', specify whether it’s Term, Whole Life, Universal Life, or another type. 

Co-Applicant Schedule 6 – Real Estate (Homestead)

List your primary residence(s) only. Only complete this section if the co-applicant maintains a separate primary residence from the applicant.

Use “Property Type” to describe the home — for example: Single-Family, Condo, Townhouse, etc.

Co-Applicant Schedule 7 – Real Estate (Other)

List any real estate other than your primary residence — such as 2nd homes, vacation homes, rental properties, or land holdings.

Use “Property Type” to describe the asset (e.g. Duplex, Multi-Family, Commercial Lot, Undeveloped Land etc.), and indicate the number of units if it’s income-producing property.

Co-Applicant Schedule 7 – Real Estate (Other Property #2) 

Co-Applicant Schedule 7 – Real Estate (Other Property #3) 

Co-Applicant Schedule 7 – Real Estate (Other Property #4) 

Co-Applicant Schedule 7 – Real Estate (Other Property #5) 

Co-Applicant Schedule 7 – Real Estate (Other Property #6) 

If you select “Yes,” please continue with the rest of this form. After you submit, we will contact you and provide a supplemental sheet where you can list any additional properties beyond six. 

Co-Applicant Schedule 8(A) – Notes Payable to Financial Institutions

List any loans or lines of credit owed to banks, credit unions, or other financial institutions.

Use 'Collateral' to describe what secures the loan, if anything (ex. equipment)
'Repayment Terms' can be something like monthly, interest-only, balloon, etc.

Co-Applicant Schedule 8(A) – Notes Payable to Financial Institutions (continued)

Co-Applicant Schedule 8(A) – Notes Payable to Financial Institutions (continued)

If you select “Yes,” please continue with the rest of this form. After you submit, we will contact you and provide a supplemental sheet where you can list any additional beyond six. 

Co-Applicant Schedule 8(B) – Notes Payable to Others

List any loans owed to individuals, private lenders, or companies other than financial institutions.

'Repayment Terms' can be listed however they were agreed upon — formal or informal.

Co-Applicant Schedule 8(B) – Notes Payable to Others (continued)

Co-Applicant Schedule 8(B) – Notes Payable to Others (continued)

If you select “Yes,” please continue with the rest of this form. After you submit, we will contact you and provide a supplemental sheet where you can list any additional beyond six. 

Co-Applicant Schedule 8(C) – Installment Loans and Contracts

Use this section for any installment-based loans or contracts — typically for specific purchases with fixed payments.

This is different from Schedule 8(A), which is for general-purpose loans or lines of credit from banks or credit unions.

Schedule 8(C) is for things like auto loans, equipment financing, furniture payment plans, solar contracts, or leases — usually tied to the item being financed.

Co-Applicant Schedule 8(C) – Installment Loans and Contracts (continued)

Co-Applicant Schedule 8(C) – Installment Loans and Contracts (continued)

If you select “Yes,” please continue with the rest of this form. After you submit, we will contact you and provide a supplemental sheet where you can list any additional beyond 6.