Atty. Kimberly A. Rayer

Atty. 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.

Plymouth Meeting Plymouth Meeting 25 yrs experience 25 year
Call (267) 925-2907 Book Appointment

Profile Summary

About Kimberly A. Rayer at a glance

Kimberly A. Rayer is a Partner based in Plymouth Meeting, Pennsylvania, practicing at Starfield & Smith, P.C.. They have 25+ years of legal experience, licensed to practice since 2001. Their practice focuses on business. Admitted to practice in Pennsylvania (2001) and New Jersey (2002). Educated at Temple University School of Law (J.D., 2001) and Drexel University (B.S., 1994). Active member of MEMBERSHIPS: • National Association of Government Guaranteed Lenders • Pennsylvania Bar Association • Philadelphia Bar Association • American Bar Association. Serands clients in Plymouth Meeting, PA and the surrounding metropolitan area.

Verified attorney profile · Updated June 2026

About

  • 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)

Practice Areas Explained

Kimberly A. Rayer's Areas of Practice

Each practice area below reflects the types of cases Kimberly A. Rayer handles, with a brief overview of what that area of law covers.

Business & Corporate Law

Business attorneys advise founders and growing companies on entity formation, contracts, financing, M&A, and dispute resolution.

Kimberly A. Rayer is one of 501,317 business attorneys indexed nationally. Browse business attorneys in Pennsylvania →

Jurisdictional Context

Why local counsel matters in Pennsylvania

Practicing law in Pennsylvania. Legal matters in Pennsylvania are governed by state-specific rules of civil and criminal procedure, statutes of limitations, and substantive law. Cases originating in Plymouth Meeting are typically filed in the local municipal court or the appropriate Pennsylvania state district court, depending on subject matter and amount in controversy. An attorney licensed in Pennsylvania brings working knowledge of local procedural deadlines, judicial practices in this andnue, and the substantive law that applies to cases brought here. Out-of-state attorneys generally cannot represent clients in Pennsylvania courts without local counsel or pro hac vice admission.

Looking for additional Pennsylvania attorneys? Browse all attorneys in Plymouth Meeting or all attorneys in Pennsylvania.

Frequently Asked

Common questions about Kimberly A. Rayer

Where is Kimberly A. Rayer's law office located?
Kimberly A. Rayer's law practice is located in Plymouth Meeting, Pennsylvania. The firm is Starfield & Smith, P.C.. You can contact the office directly through this profile page.
What practice areas does Kimberly A. Rayer handle?
Kimberly A. Rayer focuses on business. Each practice area listed reflects experience handling cases of that type in Pennsylvania.
How long has Kimberly A. Rayer practiced law?
Kimberly A. Rayer has 25+ years of legal experience and has been licensed since 2001.
Where did Kimberly A. Rayer go to law school?
Kimberly A. Rayer earned their education at (J.D., 2001); (B.S., 1994).
How can I contact Kimberly A. Rayer for a consultation?
You can contact Kimberly A. Rayer directly through this profile page. Click "Ask the Attorney" to submit a question, or "Schedule a Consultation" to book a meeting. Most claimed-profile attorneys respond within one business day.

Education

J.D.
Temple University School of Law
- 2001
B.S.
Drexel University
- 1994

Bar Admissions

Pennsylvania
Admitted: 2001
New Jersey
Admitted: 2002

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