What financial statement templates are and who needs them

A financial statement template is a standardized format for reporting an individual's or business's financial position, including assets, liabilities, income, and expenses. Businesses, lenders, and individuals use them for loan applications, planning, and reporting. Use a template for a balance sheet, income statement, or personal financial statement so figures are organized, consistent, and comparable across periods, helping you present a clear financial picture for lenders, investors, or internal review while reducing errors and omissions in the numbers.

Common types of financial statement templates

Common financial statement subtypes fit different needs; pick the one matching your parties, purpose, and timing before customizing.

Balance sheet

Reports assets, liabilities, and equity at a point in time; use to show financial position and net worth.

Income statement

Summarizes revenue, expenses, and profit over a period; use to show operating performance.

Cash flow statement

Tracks cash in and out by activity; use to show liquidity and how cash is generated and used.

Personal financial statement

Lists an individual's assets, debts, and net worth; use for loan or guaranty applications.

Pro forma statement

Projects future figures based on assumptions; use for planning, budgeting, or financing pitches.

Statement of equity

Shows changes in owner or shareholder equity; use to detail contributions, draws, and earnings.

Why a ready financial statement template plus e-sign

A ready financial statement template standardizes how you present assets, income, and obligations, reduces calculation errors, and produces consistent, comparable reports for lenders, investors, or internal review, while e-signature speeds certification and sharing.

Who uses financial statement templates

Businesses, lenders, investors, and individuals reporting or assessing financial position use financial statement templates.

• Small businesses preparing statements for loans, investors, or internal review.
• Individuals compiling personal financial statements for credit or guaranty applications.
• Lenders and finance teams assessing position, performance, and liquidity from statements.

Standardized statements improve accuracy, comparability, and trust when presenting figures.

Templates in Financial Statement Templates

Financial Statement Templates

Pick a template, customize it, and send it for signature.

Washington Postnuptial Agreement

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Consolidated Financial Statements

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New Hampshire Home Sale Package

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Personal Financial Statement

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Financial Statement Disclosure

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Financial Statements and Disclosure IAS Plus

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Report of Independent Accountants on Financial Statements

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West Virginia Financial Statement

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Sworn Financial Statement

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Indiana Prenuptial Agreement

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Minnesota Prenuptial Agreement with Financial Statements

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Missouri Prenuptial Agreement with Financial Statements

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How signNow compares to typical alternatives

A side-by-side of the criteria buyers weigh when choosing a templated e-sign workflow.

Criteria	signNow	Typical alternative
Starting price	$8/user/mo	$15+/user/mo
Envelope cap	no cap	100/user/yr
Bulk send	yes (premium)	often add-on
Compliance	soc2, iso, hipaa	varies

Real-world financial statement use cases

Examples of how teams put financial statement templates to work and keep clean records.

Controller

A controller could not see where financial statement approvals were stuck.

• They routed financial statement templates with ordered signing and reminders.
• Bottlenecks are visible and documents finish on time with an audit trail.

Accounts-payable team

A finance team processed financial statement paperwork by hand and chased approvals over email.

• They moved to reusable financial statement templates with routed signing and an audit trail in signNow.
• Approvals close faster and every record reconciles cleanly at month-end.

How to choose the right financial statement template

Match the template to your use case, parties, and compliance needs to avoid rework.

Match the statement type

Pick balance sheet, income statement, or personal formats based on what you must show and to whom.

Use consistent categories

Choose a template with standard line items so figures are comparable across periods and reviewers.

Align to accounting basis

Use a template that fits cash or accrual basis so numbers reconcile with your books.

Plan certification

Pick a template with a signature or certification block when lenders require attested figures.

Common mistakes to avoid

• Mixing personal and business figures, which distorts the picture and confuses reviewers.
• Using inconsistent categories or periods, making statements non-comparable.
• Omitting liabilities or contingent obligations, overstating financial health.
• Failing to reconcile statements to underlying books, undermining credibility.

How financial statement differs from similar documents

These documents are often confused with a financial statement; pick the one matching your stage and need.

Balance sheet vs Income statement: A balance sheet shows position at a point in time; an income statement shows performance over a period.

Personal vs Business statement: A personal financial statement lists an individual's net worth; a business statement reports company finances and operations.

Cash vs Accrual basis: Cash-basis records transactions when money moves; accrual records when earned or incurred, affecting reported figures.

Pro forma vs Actual: Pro forma statements project future results on assumptions; actuals report historical, recorded figures.

Documents commonly used with a financial statement

Balance sheet: Position at a point in time

Income statement: Performance over period

Cash flow: Cash movements

Tax return: Reported income to IRS

Bank statement: Account activity

Audit report: Verifies statements

Key financial statement terms

Term	Definition
Assets	Resources owned with economic value.
Liabilities	Debts and obligations owed to others.
Equity	Owner's residual interest after liabilities.
Revenue	Income earned from operations.
Net worth	Total assets minus total liabilities.
Accrual basis	Recording when earned or incurred.

How it works: from template to signed financial statement

A simple four-step flow takes a financial statement from template to a signed, stored record.

• Upload or pick a template: Start from a financial statement template or upload your file to signNow.
• Add roles & fields: Assign recipient roles and place fillable fields for the parties, dates, amounts, and the required details.
• Send & sign: Send the invite and collect e-signatures; recipients select Finish from any device.
• Track & store: Follow progress in Document History and keep the Completed copy.

Step-by-step: create and send a financial statement

Follow these steps to prepare, route, and collect signatures on a financial statement.

• 01
  Open or create a template: Upload a financial statement or use Make Template on a prepared file.
• 02
  Add recipients and roles: Enter signers and assign roles on the Invite Page.
• 03
  Place fillable fields: Drag signature, date, and text fields for the parties, dates, amounts, and the required details; review in Preview mode.
• 04
  Send and track: Set signing order and reminders, send the invite, and follow status in Document History.

Financial Statement templates — FAQ

Answers to common questions about preparing, signing, and storing these documents.

Need help? Contact support

• Do financial statements need to be audited?
  Audits are required for some lenders, investors, or regulations but not for all uses; many small-business and personal statements are prepared internally or reviewed without a full audit.
• What is the difference between cash and accrual basis?
  Cash basis records transactions when money changes hands; accrual records revenue when earned and expenses when incurred, giving a fuller view of performance.
• What should a personal financial statement include?
  List assets (cash, property, investments), liabilities (loans, cards), and the resulting net worth, plus income and expenses if the lender requires them.
• Can statements be signed electronically?
  Yes; e-signatures are valid for certifying statements under the ESIGN Act and UETA, and an audit trail records who attested to the figures.
• How often should statements be prepared?
  Businesses often prepare them monthly or quarterly and annually for taxes; prepare personal statements when applying for credit or as your finances change materially.
• How long should I keep financial statements?
  Retain statements and supporting records for several years for tax and audit needs; the IRS generally expects support for at least three years.

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