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# The Personal Financial Statement object
> The extracted personal financial statement record: assets, liabilities, and contingent detail as the PFS readers return them.
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`.
## Explore
[Retrieve a personal financial statement](/api/api-reference/personal-financial-statements/get-pfs)
GET`/api/borrowers/:borrower_id/extractions/:doc_id/pfs`
[List all personal financial statements](/api/api-reference/personal-financial-statements/get-personal-financial-statements)
GET`/api/borrowers/:borrower_id/extractions/personal-financial-statements`
`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. |