Business Lending

At Members1st, our lenders live in South Central PA, play in South Central PA, and work in South Central PA...just like you. The local lenders, and local decision makers, understand the market. The market we have shared with you and your business since 1950. Our number one goal is helping you, we have dedicated business lenders, and 60 branches, to serve South Central Pennsylvania. Let us help your business grow or help your real estate portfolio grow.

Commercial Real Estate Loans

From retail to office space to industrial we can assist you with a purchase or refinance. Whether it be a new owner occupied space or the most recent addition to your real estate investment portfolio, we have a solution for you. You can choose flexible terms from 3 years to 10 years with up to a 25 year amortization. The dedicated business lending team will assist with a purchase or refinance in a quick and professional manner.

Equipment Financing

We provide flexible terms and products to assist with the purchase of everything from professional services equipment to vehicles to medical equipment to manufacturing equipment. Our terms range from 3 months to 5 years with rates that your budget can afford.

Lines of Credit

Whether your business is a professional practice or manufacturer, we have a solution to fit the needs of your business. From short-term working capital to A/R financing Members1st has your business covered. Choose from an array of real estate secured lines of credit to fit every type of business: large or small.

Business Convenience Line of Credit

Designed for the sole proprietor, micro business, single shop professional, or newer business with the flexibility of a line and the convenience of a credit card. You can access your line of credit over the phone, through a check, by cash advance, or by swiping your linked credit card. Many ways to access, many possible uses, one convenient product. Available up to $45,000. With the $100 annual fee waived the first year. You can even apply right online!

Business VISA Credit Card

Business credit cards to fit the needs of every business, small or large.

Meet Our Business Lending Team

Business Lending Services

Justin Conner Kristi Raykos
Justin Conner Kristi Raykos
Vice President Business Loan Officer
Dauphin County and Lebanon County
Vice President Business Loan Officer
Cumberland County and Perry County
8100 Derry Street 5 Tristan Drive
Harrisburg, PA 17111 Dillsburg, PA 17019
E-Mail: E-Mail:
Kimberly Ryen Stacy Steinkamp
Kimberly Ryen Stacy Steinkamp
Vice President Business Loan Officer
York County and Adams County
Vice President Business Loan Officer
Lancaster County
2145 White Street 201 Granite Run Drive STE 140
York, PA 17404 Lancaster, PA 17601
E-Mail: E-Mail:

Schedule Appointments

Tiffany Fenton
Business Lending Sales Support
5000 Louise Drive
Mechanicsburg, PA 17055
Phone: (717) 795-5173

Questions? Provide us your information and one of our business representatives will contact you.