About Kimberly A. Rayer

Kim concentrates her practice in the areas of commercial lending, commercial contracts and corporate law. She represents financial institutions nationwide, including national banks, community banks, credit unions and non-bank lenders, in extending commercial credit facilities to small and mid size businesses. Kim has extensive experience in the areas of government guaranteed financing, as well as business and real estate acquisition financing, lines of credit, healthcare financing and other secured and non-secured credit transactions. Kim advises lenders on eligibility, documenting and closing loans under the SBA 7(a) and 504 loan programs. As a closing attorney, she prepares commitment letters, reviews credit approval and loan files, drafts, and negotiates loan documents and coordinates closing and funding of transactions. She also assists lenders with loan modifications and loan work outs. With her experience with Article 9 of the Uniform Commercial Code and the U.S. Bankruptcy Code, Kim assists her clients in lien priority issues, intercreditor agreements, as well as creditor’s rights in bankruptcy. Kim is a presenter on SBA loan documenting and closing for a number of continuing education companies, as well as presents custom training programs for clients. Kim also counsels small businesses on corporate governance and transactional matters. She has guided companies through ESOP stock transactions, shareholder divorce, loan workout and business acquisitions, as well as advising clients on day to day corporate and contract matters, such as confidentiality and joint venture agreements. Her past work experience as the Director of Member Services for the Greater Philadelphia Chamber of Commerce provides her with a unique perspective on the challenges and opportunities facing business owners.

ADMISSIONS:

• Pennsylvania

• New Jersey

• Federal District Court for the Eastern District of Pennsylvania

HONORS/AWARDS:

• Selected for inclusion in Super Lawyers- Pennsylvania Rising Star in 2010 (Banking, Securities & Corporate Finance, Business/Corporate)

 

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Services

Areas of Law

  • Other 2
    • SBA Lending
    • Commercial Lending

Practice Details

  • Languages
    English
  • Firm Information
    Position
    Partner
    Firm Name
    Starfield & Smith, P.C.
  • Additional Links

Experience

  • Bar Admission & Memberships
    Admissions
    2001, Pennsylvania
    2002, New Jersey
    Memberships
    MEMBERSHIPS:
    • National Association of Government Guaranteed Lenders
    • Pennsylvania Bar Association
    • Philadelphia Bar Association
    • American Bar Association
  • Education & Certifications
    Law School
    Temple University School of Law
    Class of 2001
    J.D.
    Other Education
    Drexel University
    Class of 1994
    B.S.
    cum laude
  • Personal Details & History
    Age
    Born in 1972
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Attorneys FAQs

  • What year was this attorney first admitted to the bar?
    Kimberly A. Rayer was admitted in 2001 to the State of Pennsylvania.
  • Is this attorney admitted to the bar in more than one state?
    Yes, Kimberly A. Rayer is admitted to practice in New Jersey and Pennsylvania.
  • How many attorneys are in this law firm?
    Starfield & Smith, P.C. has 42 attorneys at this location.
  • What law school did this attorney attend?
    Kimberly A. Rayer attended Temple University School of Law.
  • Is this attorney listed in the Bar Register of Preeminent Lawyers?
    Kimberly A. Rayer is listed in the Banking Law and Business Law section of the Bar Register of Preeminent Lawyers.