Sba Form 413 2025

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The document is a Personal Financial Statement form (SBA Form 413) used by the U.S. Small Business Administration (SBA) to collect financial information from business applicants and their owners. This information is essential for assessing creditworthiness, repayment ability for loans, and eligibility for various SBA programs such as the Women-Owned Small Business (WOSB) Program and the 8(a) Business Development Program. The form requires detailed disclosures of assets, liabilities, income sources, and certifications regarding the accuracy of the provided information. It also outlines legal consequences for false statements.

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How to create a personal financial statement?

How To Create A Personal Finance Balance Sheet Gather Financial Documents. Getting all your financial documents ensures you have accurate information. Make Or Use A Free Personal Financial Statement Template. List Your Assets. List Your Liabilities. Categorize The Information And Add Up The Values. Determine Your Net Worth.

What is the easiest SBA loan to get approved for?

Thanks to the wide range of permitted loan uses, an SBA Express loan is financing thats easy to approve and is likely perfect for your startups needs. What Is an SBA Microloan? SBA microloans, which are some of the easiest SBA loans to get approved for, range in size between $500 and $50,000.

What is a 413 personal financial statement?

What is SBA Form 413? SBA Form 413, formally referred to as Personal Finance Statement, is a form business owners must fill out for most SBA loans. The U.S. Small Business Administration uses this form to assess loan applicants creditworthiness and repayment ability.

What is the standard form 413?

The purpose of SBA Form 413 is to provide the Small Business Administration (SBA) with personal financial information to analyze the repayment ability and credit worthiness of an application for an SBA guaranteed 7(a) or 504 loan or a guaranteed surety.

What is the 20% rule for SBA?

Co-Borrower Requirements in Partial Acquisitions Any buyer acquiring 20% or more of the business must co-guarantee the SBA loan. If a selling owner retains less than 20% equity after closing, they must personally guarantee the loan for two years post-sale. Any minority shareholder must be a co-borrower.