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when you go to apply for an sba loan one of the very first things your lender is going to request is the personal financial statement or 413 as the sba calls it government really needs to get better at naming forms anywho based on my 10 plus years experience as an sba lender youre gonna get this form wrong more often than you get it right and thats gonna lead to unnecessary back and forth between you and your lender and nobody wants that hey im ray drew an actual sba lender and in this video im gonna show you step by step how to fill out the 413 and at the end of this video im going to share the number one mistake applicants make when completing this form [Music] first of all make sure youre filling out the right version of the personal financial statement the sba updates it every couple of years in the top right of page one youll see an expiration date if the form is expired you have the wrong one page 1 shows the instructions for the form and based on my experience 99 of peopl