Retrieve a personal financial statement

{
  "pfs_kind": "sba_413",
  "document_type": "personal_financial_statement",
  "acceptance": {
    "accepted": true
  },
  "applicant": {
    "name": "Michael R Chen",
    "business_name": "Greenfield Construction LLC",
    "business_type": "llc",
    "home_address": "47 Lakeshore Terrace",
    "business_address": "880 Foundry Road, Denver, CO 80216",
    "city_state_zip": "Denver, CO 80206",
    "home_phone": "(303) 555-0178",
    "business_phone": "(303) 555-0142",
    "as_of_date": "2025-12-31",
    "program": "loan_7a_504_surety",
    "signer_names": [
      "Michael R Chen"
    ],
    "signer_ssn_last4": [
      "7783"
    ],
    "signed_dates": []
  },
  "assets": {
    "cash_on_hand_and_banks": "86000.00",
    "savings_accounts": "240000.00",
    "ira_retirement": "685000.00",
    "accounts_notes_receivable": "11600.00",
    "life_insurance_csv": "52000.00",
    "stocks_and_bonds": "1882300.00",
    "real_estate": "1150000.00",
    "automobiles": "78000.00",
    "other_personal_property": "95000.00",
    "other_assets": null,
    "total_assets": "4279900.00"
  },
  "contingent": {
    "as_endorser_or_co_maker": "900000.00",
    "legal_claims_judgments": null,
    "provision_federal_income_tax": null,
    "other_special_debt": null
  },
  "descriptions": {
    "other_income": "Sch. C net profit $58,000; Sch. K-1: Greenfield Construction LLC (50%) $510,000, Meridian Health Partners, Inc. (30%) $156,000",
    "other_property_assets": "Accounts and notes receivable $11,600 - 2025 federal income tax refund receivable (Form 1040, line 35a). Automobiles $78,000 - 2023 Ford F-250 and 2021 Lexus RX 350; the Ford is pledged to Alpine Credit Union, installment balance $34,800, $980 per month, current. Other personal property $95,000 - household furnishings, tools and job-site equipment; no liens.",
    "unpaid_taxes": "None. The 2025 federal return reports total tax of $248,400 against total payments of $260,000, producing the $11,600 refund receivable reported in Section 5. No federal, state or local tax liens.",
    "other_liabilities": "None.",
    "life_insurance_held": "Whole life policy, Front Range Mutual Life, $1,500,000 face amount; cash surrender value $52,000. Beneficiary: spouse. Collaterally assigned to Citizens Bank for the Greenfield Construction LLC term loan."
  },
  "income": {
    "salary": "185000.00",
    "net_investment_income": "28200.00",
    "real_estate_income": null,
    "other_income": "724000.00",
    "total_income": "937200.00"
  },
  "liabilities": {
    "accounts_payable": "9400.00",
    "notes_payable_banks_other": "62000.00",
    "installment_auto": {
      "balance": "34800.00",
      "monthly_payment": "980.00"
    },
    "installment_other": {
      "balance": null,
      "monthly_payment": null
    },
    "loans_against_life_insurance": null,
    "mortgages_on_real_estate": "648000.00",
    "unpaid_taxes": null,
    "other_liabilities": null,
    "total_liabilities": "754200.00",
    "net_worth": "3525700.00",
    "total_liabilities_and_net_worth": null
  },
  "notes_payable": [
    {
      "noteholder": "First Summit Bank, Denver, CO",
      "original_balance": "90000.00",
      "current_balance": "62000.00",
      "payment_amount": "1,650",
      "payment_frequency": "Monthly",
      "collateral_or_endorsement": "Unsecured"
    }
  ],
  "real_estate": [
    {
      "label": "A",
      "property_type": "primary_residence",
      "address": "47 Lakeshore Terrace, Denver, CO 80206",
      "date_purchased": "2017-05",
      "original_cost": "720000.00",
      "present_market_value": "1150000.00",
      "mortgage_holder": "Cherry Creek Savings Bank, Denver, CO",
      "mortgage_account_number": "****4419",
      "mortgage_balance": "648000.00",
      "monthly_payment": "3940.00",
      "yearly_payment": null,
      "payment_amount": "3,940 / month",
      "mortgage_status": "Current"
    }
  ],
  "signals": [],
  "stocks_and_bonds": [
    {
      "shares": null,
      "security_name": "Greenfield Construction LLC (50%)",
      "cost": "250000.00",
      "market_value": "887500.00",
      "quotation_date": "2025-12-31",
      "total_value": "887500.00"
    },
    {
      "shares": "300",
      "security_name": "Meridian Health Partners, Inc. (30%)",
      "cost": "150000.00",
      "market_value": "394800.00",
      "quotation_date": "2025-12-31",
      "total_value": "394800.00"
    },
    {
      "shares": null,
      "security_name": "Summit Wealth Advisors brokerage",
      "cost": "462000.00",
      "market_value": "600000.00",
      "quotation_date": "2025-12-31",
      "total_value": "600000.00"
    }
  ]
}

Retrieves a single extracted personal financial statement. Requesting a document of any other type returns a 404.

Requires the extractions:read scope. Rate limit: 200 requests per minute per key (the api lane).

Authentication

AuthorizationBearer

Bearer token. Use ss_live_… for live data or ss_test_… for the sandbox (test mode). See Authentication.

Path parameters

borrower_idstringRequired

The borrower's id.

doc_idstringRequired

The document's id.

Response headers

X-Request-IDstringOptional

Correlation ID for this request. Quote it in support tickets.

SpreadSpace-VersionstringOptional

The API surface version the server resolved for this request. Always present, regardless of whether the client supplied the request-side SpreadSpace-Version header. Default: 2026-10-07.

RateLimit-Limitinteger

Request budget of the endpoint’s rate-limit policy per 60-second sliding window. See Rate limits.

RateLimit-Remaininginteger

Requests left in the current window. Suppressed on 429 responses produced outside the rate limiter (for example a usage throttle), where a remaining budget would be misleading.

RateLimit-Resetinteger

Seconds until a guaranteed-fresh window.

RateLimit-PolicystringOptional

The active policy in limit;w=window-seconds form.

Response

sba_413object

A Personal Financial Statement on SBA Form 413.

freeformobject

A Personal Financial Statement on a bank or accountant form other than SBA Form 413, or on a spreadsheet.

Errors

400

Bad Request Error

401

Unauthorized Error

402

Payment Required Error

403

Forbidden Error

404

Not Found Error

429

Too Many Requests Error

500

Internal Server Error

Authentication

Path parameters

Headers

Response headers

Response

Errors