The Personal Financial Statement object

An extracted personal financial statement.

The retrieve endpoint returns this object on its own. The list endpoint returns one per document, wrapped as { "borrower_id": …, "statements": [ { "extracted_document_id", "document_category", "report_data" } ] }. Each list row also carries period_end.

pfs_kind says which shape follows. sba_413 carries applicant as an object, assets and liabilities as named-line objects with nested totals, plus income, contingent and notes_payable; freeform carries applicant as a string, assets and liabilities as flat line lists, and its totals at the top level (total_assets, total_liabilities, net_worth).

The documents behind this object carry document_category pfs_generic, personal_financial_statement, sba_413 or sba_form_413. Money keys are JSON strings with exactly two decimals ("9200000.00", "-1250.50"). Date keys are as printed on the document.

pfs_kind says which shape follows. Each shape’s fields are listed under its own heading.

SBA Form 413

A Personal Financial Statement on SBA Form 413.

Key	Type	Present when	Description
`document_type`	always `personal_financial_statement`	Always	Which family of document this is.
`pfs_kind`	always `sba_413`	Always	Always sba_413: the statement is on SBA Form 413.
`applicant`	object	When the document states it	The applicant block at the top of the form.
`assets`	object	When the document states it	The asset lines on page 1.
`liabilities`	object	When the document states it	The liability lines, the totals and net worth on page 1.
`income`	object	When the document states it	Section 1, source of income.
`contingent`	object	When the document states it	Contingent liabilities, printed below the income section.
`notes_payable`	array of objects	When the document states it	Section 2, notes payable to banks and others, one entry per row.
`stocks_and_bonds`	array of objects	When the document states it	Section 3, stocks and bonds, one entry per row.
`real_estate`	array of objects	When the document states it	Section 4, real estate owned, one entry per property.
`descriptions`	object	When the document states it	The free text of sections 1 and 5 through 8.
`acceptance`	object (PfsAcceptance)	When the document states it	Whether the statement carries figures and counts as a valid statement.
`signals`	array of PfsSignal	When the document states it	Notes on where the printed totals disagree with the printed lines, and on the reporting date.
`period_source`	string	When the document states it	Which part of the document dates the statement when the form’s as-of line is blank: the page image (`page_image`), the file’s name (`filename`) or the file’s own creation date (`file_metadata`); absent when the form prints an as-of date.

`applicant`

The applicant block at the top of the form.

Key	Type	Present when	Description
`name`	string, nullable	Always	Name as printed.
`business_name`	string, nullable	Always	Business name as printed.
`business_type`	string, nullable	Always	Legal form of the business as marked: corporation, S corporation, LLC, partnership or sole proprietorship.
`home_address`	string, nullable	Always	Home address.
`business_address`	string, nullable	Always	Business address.
`city_state_zip`	string, nullable	Always	City, state and ZIP code.
`home_phone`	string, nullable	Always	Home phone number.
`business_phone`	string, nullable	Always	Business phone number.
`as_of_date`	string (as printed), nullable	Always	The date the information is current as of: `YYYY-MM-DD`, `YYYY-MM` or `YYYY` when the printed date reads as one, else the text as printed.
`program`	string, nullable	Always	The SBA program the form was completed for, when one is marked.
`signer_names`	array of string	Always	Printed names on the signature lines.
`signer_ssn_last4`	array of string	Always	Last four digits of each signer’s Social Security number.
`signed_dates`	array of string (as printed)	Always	Dates beside the signatures.

`assets`

The asset lines on page 1.

Key	Type	Present when	Description
`cash_on_hand_and_banks`	string (money), nullable	Always	Cash on hand and in banks.
`savings_accounts`	string (money), nullable	Always	Savings accounts.
`ira_retirement`	string (money), nullable	Always	IRA or other retirement account.
`accounts_notes_receivable`	string (money), nullable	Always	Accounts and notes receivable.
`life_insurance_csv`	string (money), nullable	Always	Life insurance, cash surrender value only.
`stocks_and_bonds`	string (money), nullable	Always	Stocks and bonds.
`real_estate`	string (money), nullable	Always	Real estate.
`automobiles`	string (money), nullable	Always	Automobiles.
`other_personal_property`	string (money), nullable	Always	Other personal property.
`other_assets`	string (money), nullable	Always	Other assets.
`total_assets`	string (money), nullable	Always	Total assets as printed.

`liabilities`

The liability lines, the totals and net worth on page 1.

Key	Type	Present when	Description
`accounts_payable`	string (money), nullable	Always	Accounts payable.
`notes_payable_banks_other`	string (money), nullable	Always	Notes payable to banks and others.
`installment_auto`	object (PfsInstallment)	Always	Installment account, auto.
`installment_other`	object (PfsInstallment)	Always	Installment account, other.
`loans_against_life_insurance`	string (money), nullable	Always	Loans against life insurance.
`mortgages_on_real_estate`	string (money), nullable	Always	Mortgages on real estate.
`unpaid_taxes`	string (money), nullable	Always	Unpaid taxes.
`other_liabilities`	string (money), nullable	Always	Other liabilities.
`total_liabilities`	string (money), nullable	Always	Total liabilities as printed.
`net_worth`	string (money), nullable	Always	Net worth as printed.
`total_liabilities_and_net_worth`	string (money), nullable	Always	Total liabilities and net worth as printed.

`income`

Section 1, source of income.

Key	Type	Present when	Description
`salary`	string (money), nullable	Always	Salary.
`net_investment_income`	string (money), nullable	Always	Net investment income.
`real_estate_income`	string (money), nullable	Always	Real estate income.
`other_income`	string (money), nullable	Always	Other income.
`total_income`	string (money), nullable	Always	The four income lines added together; the form prints no total line.

`contingent`

Contingent liabilities, printed below the income section.

Key	Type	Present when	Description
`as_endorser_or_co_maker`	string (money), nullable	Always	As endorser or co-maker.
`legal_claims_judgments`	string (money), nullable	Always	Legal claims and judgments.
`provision_federal_income_tax`	string (money), nullable	Always	Provision for federal income tax.
`other_special_debt`	string (money), nullable	Always	Other special debt.

`notes_payable[]`

Section 2 of SBA Form 413, one note payable row.

Key	Type	Present when	Description
`noteholder`	string, nullable	Always	Name and address of the noteholder.
`original_balance`	string (money), nullable	Always	Original balance.
`current_balance`	string (money), nullable	Always	Current balance.
`payment_amount`	string, nullable	Always	The payment amount as printed: a dollar figure or a term such as deferred.
`payment_frequency`	string, nullable	Always	Payment frequency, as printed.
`collateral_or_endorsement`	string, nullable	Always	How secured or endorsed, and the type of collateral.

`stocks_and_bonds[]`

Section 3 of SBA Form 413, one security row.

Key	Type	Present when	Description
`shares`	string, nullable	Always	Number of shares, as printed.
`security_name`	string, nullable	Always	Name of the security.
`cost`	string (money), nullable	Always	Cost.
`market_value`	string (money), nullable	Always	Market value per share or bond, as printed.
`quotation_date`	string (as printed), nullable	Always	Date of the quotation: `YYYY-MM-DD`, `YYYY-MM` or `YYYY` when the printed date reads as one, else the text as printed.
`total_value`	string (money), nullable	Always	Total value.

`real_estate[]`

Section 4 of SBA Form 413, one property.

Key	Type	Present when	Description
`label`	string, nullable	Always	A, B or C: the property’s column on the form.
`property_type`	string, nullable	Always	Type of real estate.
`address`	string, nullable	Always	The property’s address.
`date_purchased`	string (as printed), nullable	Always	Date purchased: `YYYY-MM-DD`, `YYYY-MM` or `YYYY` when the printed date reads as one, else the text as printed.
`original_cost`	string (money), nullable	Always	Original cost.
`present_market_value`	string (money), nullable	Always	Present market value.
`mortgage_holder`	string, nullable	Always	Name and address of the mortgage holder.
`mortgage_account_number`	string, nullable	Always	Mortgage account number, as printed.
`mortgage_balance`	string (money), nullable	Always	Mortgage balance.
`monthly_payment`	string (money), nullable	Always	The monthly figure of the payment per month or year cell.
`yearly_payment`	string (money), nullable	Always	The yearly figure of the payment per month or year cell.
`payment_amount`	string, nullable	Always	The payment per month or year cell as printed.
`mortgage_status`	string, nullable	Always	Status of the mortgage, as printed.

`descriptions`

The free text of sections 1 and 5 through 8.

Key	Type	Present when	Description
`other_income`	string, nullable	Always	Section 1, description of other income.
`other_property_assets`	string, nullable	Always	Section 5, other personal property and other assets.
`unpaid_taxes`	string, nullable	Always	Section 6, unpaid taxes.
`other_liabilities`	string, nullable	Always	Section 7, other liabilities.
`life_insurance_held`	string, nullable	Always	Section 8, life insurance held.

Other form or spreadsheet

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

Key	Type	Present when	Description
`document_type`	always `personal_financial_statement`	Always	Which family of document this is.
`pfs_kind`	always `freeform`	Always	Always freeform.
`title`	string, nullable	When the document states it	The statement’s printed title.
`applicant`	string, nullable	When the document states it	Name of the person the statement is for.
`applicant_address`	string, nullable	When the document states it	The applicant’s address as printed.
`business_name`	string, nullable	When the document states it	The applicant’s business, as printed.
`employer`	string, nullable	When the document states it	The applicant’s employer, as printed.
`as_of_date`	string (as printed), nullable	When the document states it	The date the statement is current as of, as printed.
`as_of_source`	string, nullable	When the document states it	`signature_date` when the signature date dates the statement, `income_year` when the year the income section covers does; null when the form prints an as-of date.
`panel_index`	integer, nullable	When the document states it	On a form that lays several people’s statements side by side, this statement’s position counting from one; null otherwise.
`panel_count`	integer, nullable	When the document states it	Number of side-by-side statements on the form; null for a single statement.
`home_address`	string, nullable	When the document states it	Home address, when the form separates it from the business address.
`business_address`	string, nullable	When the document states it	Business address, when the form separates it from the home address.
`business_type`	string, nullable	When the document states it	Legal form of the business, as printed.
`spouse_name`	string, nullable	When the document states it	Spouse’s name, when printed.
`contact_phone`	string, nullable	When the document states it	Contact phone number, as printed.
`contact_email`	string, nullable	When the document states it	Contact email address, as printed.
`assets`	array of PfsLineItem	When the document states it	Each captured asset line.
`liabilities`	array of PfsLineItem	When the document states it	Each captured liability line.
`total_assets`	string (money), nullable	When the document states it	Total assets as printed.
`total_liabilities`	string (money), nullable	When the document states it	Total liabilities as printed.
`net_worth`	string (money), nullable	When the document states it	Net worth reported for the statement’s as-of date.
`total_liabilities_and_net_worth`	string (money), nullable	When the document states it	Total liabilities and net worth, when the form prints that line.
`net_worth_is_derived`	boolean	When the document states it	True when the form printed no net worth and the figure is total assets less total liabilities.
`real_estate_owned`	string (money), nullable	When the document states it	Real estate owned, from the asset side.
`income_lines`	array of PfsLineItem	When the document states it	Each captured income line.
`expense_lines`	array of PfsLineItem	When the document states it	Each captured expense line.
`total_income`	string (money), nullable	When the document states it	Total income as printed.
`total_expenses`	string (money), nullable	When the document states it	Total expenses as printed.
`gross_annual_income`	string (money), nullable	When the document states it	Gross annual income, when the form prints it.
`gross_rental_income`	string (money), nullable	When the document states it	Gross rental income, when the form prints it.
`entities`	array of objects	When the document states it	Rows of an entities schedule, the businesses the person owns or serves, when the workbook carries one.
`cash_accounts`	array of objects	When the document states it	Rows of a cash schedule, one per bank account, when the workbook carries one.
`real_estate`	array of objects	When the document states it	Rows of a real estate or projects schedule, when the workbook carries one.
`debt_schedule`	array of objects	When the document states it	Rows of a notes payable or debt schedule, when the workbook carries one.
`schedules`	array of objects	When the document states it	Supporting schedules printed on the statement sheet, one entry per schedule.
`disclosures`	array of objects	When the document states it	Yes or no questionnaire answers: guarantees, contingent liabilities, judgments, bankruptcy, litigation.
`liability_schedule`	object, nullable	When the document states it	Every captured debt grouped into six lender categories, with subtotals; null when no debt was captured.
`acceptance`	object (PfsAcceptance)	When the document states it	Whether the statement carries figures and counts as a valid statement.
`signals`	array of PfsSignal	When the document states it	Notes on where the printed totals disagree with the printed lines, and on the reporting date.
`period_source`	string	When the document states it	Which part of the document dates the statement when no as-of line is printed: the signature date (`signature_date`), the year the income section covers (`income_year`), the page image (`page_image`), the file’s name (`filename`) or the file’s own creation date (`file_metadata`); absent when the form prints an as-of date.

`entities[]`

One row of an entities schedule on a workbook statement.

Key	Type	Present when	Description
`name`	string, nullable	Always	The entity’s name.
`ein`	string, nullable	Always	Employer identification number, masked to the last four digits.
`state`	string, nullable	Always	State of formation.
`entity_type`	string, nullable	Always	Legal form of the entity.
`purpose`	string, nullable	Always	The entity’s purpose or business.
`capacity`	string, nullable	Always	The filer’s role in the entity.
`ownership_pct`	string, nullable	Always	The filer’s ownership share, as printed.
`through`	string, nullable	Always	The trust or parent entity the interest is held through, when printed.
`projects`	string, nullable	Always	Projects the entity holds, as printed.
`address`	string, nullable	Always	The entity’s address.

`cash_accounts[]`

One bank account row of a cash schedule on a workbook statement.

Key	Type	Present when	Description
`holder`	string, nullable	Always	The person or entity the account belongs to.
`institution`	string, nullable	Always	The bank.
`balance`	string (money), nullable	Always	The account balance.
`ownership_pct`	string, nullable	Always	The filer’s ownership share of the account, as printed.
`owner_value`	string (money), nullable	Always	The filer’s share of the balance, as printed.

`real_estate[]`

One row of a real estate or projects schedule on a workbook statement.

Key	Type	Present when	Description
`asset`	string, nullable	Always	The property or project.
`entity`	string, nullable	Always	The entity that holds it.
`rents`	string (money), nullable	Always	Rents, as printed.
`ownership_pct`	string, nullable	Always	The filer’s ownership share, as printed.
`fmv`	string (money), nullable	Always	Fair market value.
`loan`	string (money), nullable	Always	Loan balance against the property.
`owner_value`	string (money), nullable	Always	The filer’s share of the value, as printed.
`owner_loan`	string (money), nullable	Always	The filer’s share of the loan, as printed.
`monthly_payment`	string (money), nullable	Always	The loan’s monthly payment, when printed.
`note`	string, nullable	Always	A note printed on the row.

`debt_schedule[]`

One row of a notes payable or debt schedule on a workbook statement.

Key	Type	Present when	Description
`creditor`	string, nullable	Always	The creditor.
`monthly_payment`	string (money), nullable	Always	Monthly payment.
`secured_by`	string, nullable	Always	What secures the debt.
`balance`	string (money), nullable	Always	The balance owed.
`note`	string, nullable	Always	A note printed on the row.

`schedules[]`

A supporting schedule printed on the statement sheet.

Key	Type	Present when	Description
`number`	string, nullable	Always	The schedule’s number or letter.
`title`	string, nullable	Always	The balance sheet line the schedule supports.
`columns`	array of string	Always	The schedule’s column headers, label column excluded.
`rows`	array of objects	Always	The schedule’s rows.

`schedules[].rows[]`

One row of a supporting schedule.

Key	Type	Present when	Description
`label`	string, nullable	Always	The row’s label, its leftmost cell.
`cells`	array of string or null	Always	The row’s cells in column order, as printed; null where a cell is blank.

`disclosures[]`

One yes or no question from a statement’s questionnaire.

Key	Type	Present when	Description
`question`	string, nullable	Always	The question as printed.
`answer`	string, nullable	Always	The answer as marked, yes or no; null when neither was.
`details`	string, nullable	Always	The filer’s explanation, when one was given.

`liability_schedule`

Every captured debt grouped into six lender categories.

Key	Type	Present when	Description
`buckets`	array of objects	Always	The non-empty categories, in a fixed order.
`total_balance`	string (money), nullable	Always	Total balance across the categories on the balance sheet: the printed total liabilities when it agrees with the lines, else the lines added together.
`total_monthly`	string (money), nullable	Always	Total monthly payments across the categories.
`total_source_key`	string, nullable	Always	Address of the printed total within the statement, when the statement prints it.
`total_is_derived`	boolean	Always	True when the total balance is the lines added together rather than a printed total.
`total_monthly_is_derived`	boolean	Always	True when the monthly total is the lines added together; no statement prints one.
`contingent_total`	string (money), nullable	Always	Total of contingent and guaranteed debt, kept apart from the balance sheet total.
`reconciliation`	array of objects	Always	Schedules whose rows do not add up to their summary line.

`liability_schedule.buckets[]`

One lender category of the liability schedule, its lines and its subtotals.

Key	Type	Present when	Description
`category`	string	Always	The category’s identifier.
`label`	string	Always	The category’s name.
`on_balance_sheet`	boolean	Always	False for contingent and guaranteed debt, which sits off the balance sheet.
`items`	array of objects	Always	The debt lines in the category.
`subtotal_balance`	string (money), nullable	Always	Balance subtotal: the printed footing when the form prints one, else the lines added together.
`subtotal_monthly`	string (money), nullable	Always	Monthly payment subtotal, when the lines carry payments.
`subtotal_source_key`	string, nullable	Always	Address of the printed footing within the statement, when the statement prints the balance subtotal.
`subtotal_monthly_source_key`	string, nullable	Always	Address of the printed footing within the statement, when the statement prints the monthly subtotal.
`subtotal_is_derived`	boolean	Always	True when the balance subtotal is the lines added together rather than a printed footing.
`subtotal_monthly_is_derived`	boolean	Always	True when the monthly subtotal is the lines added together rather than a printed footing.

`liability_schedule.buckets[].items[]`

One debt line of the liability schedule.

Key	Type	Present when	Description
`label`	string, nullable	Always	The line’s printed label.
`creditor`	string, nullable	Always	The creditor, when printed.
`balance`	string (money), nullable	Always	The balance owed.
`monthly_payment`	string (money), nullable	Always	The monthly payment, when printed.
`secured_by`	string, nullable	Always	What secures the debt, when printed.
`category`	string	Always	The lender category the line falls in.
`source_key`	string, nullable	Always	Address of the printed balance within the statement, when the statement prints it.
`monthly_source_key`	string, nullable	Always	Address of the printed payment within the statement, when the statement prints it.

`liability_schedule.reconciliation[]`

A detail schedule whose rows do not add up to the summary line they support.

Key	Type	Present when	Description
`schedule`	string, nullable	Always	The schedule number, or the summary line’s label.
`summary`	string (money), nullable	Always	The summary line’s printed figure.
`detail_sum`	string (money), nullable	Always	The schedule’s rows added together.
`delta`	string (money), nullable	Always	The difference between the two.

Shared objects

Object types that several keys above carry. The Type column names them.

PfsAcceptance

Whether the statement counts as a valid statement.

Key	Type	Present when	Description
`accepted`	boolean	Always	True when the statement carries at least one monetary figure in its asset or liability columns.
`reject_code`	string	When the document states it	Present when the statement was not accepted: the reason’s identifier.
`reject_detail`	string	When the document states it	The reason in words.
`signal_code`	string	When the document states it	Present when the statement carries a note about its balance check: the note’s identifier.
`signal_detail`	string	When the document states it	The note in words.
`signal_severity`	string, one of `info`, `warn`	When the document states it	How much weight the note carries: info or warn.

PfsInstallment

An installment account line: the balance and the monthly payment.

Key	Type	Present when	Description
`balance`	string (money), nullable	Always	The balance owed.
`monthly_payment`	string (money), nullable	Always	The monthly payment.

PfsLineItem

One captured line of a freeform statement.

Key	Type	Present when	Description
`label`	string, nullable	Always	The line’s printed label.
`value`	string (money), nullable	Always	The line’s printed figure.
`column`	string, nullable	Always	The column the figure sits in: asset or liability.
`group`	string, nullable	Always	The section header above the line, when the sheet has one.

PfsSignal

A note about the statement’s own arithmetic or its reporting date.

Key	Type	Present when	Description
`severity`	string, one of `info`, `warn`	Always	How much weight the note carries: info or warn.
`code`	string	Always	The note’s identifier.
`detail`	string	Always	The note in words.