Janet M. Dery back Download PDF OF THIS BIO

Janet M. Dery


Janet is a Partner in the firm’s Fort Washington office. Her practice’s primary focus is on commercial lending, business law, and real estate. Representing bank and non-bank lenders in hundreds of commercial lending transactions nationwide, she has extensive experience as closing counsel for various financial transactions, many of which involve government assisted programs and multi-jurisdictional issues and collateral. In such role, she uses her knowledge of finance and a proactive approach to assist the lenders with eligibility determinations, due diligence collection, preparation and negotiation of loan documents, and closing of the loan transactions.

Janet is an approved closing attorney for certified development companies which facilitate U.S. Small Business Administration loan programs. In such representation, she assists borrowers and third party lenders in understanding all the complexities in the requirements and funding process under the SBA 504 loan program. She also works closely with local SBA District Counsel to insure the eligibility of the loan submissions for inclusion in the applicable monthly debenture fundings.

Janet’s practice also includes review of already-closed government guaranteed loan packages to insure compliance with program requirements. Additionally, Janet presents training webinars on government guaranteed lending issues for various organizations.

Finally, in her business law practice, Janet advises on corporate governance and assists clients with the various aspects of their business. These aspects include entity formations, licensing, sales, mergers, and real property acquisitions.

• Pennsylvania
• New Jersey
• Maryland

• Selected for inclusion in Super Lawyers- Pennsylvania Rising Stars in 2007-2012 (Banking, Real Estate, Business/Corporate)

• National Association of Government Guaranteed Lenders
• National Association of Development Companies
• American Bar Association
• Pennsylvania Bar Association

• Widener University Law School – JD
• State University of New York – BA

Contact Information
Direct Dial: 267.470.1189
Phone: 215.542.7070
Fax: 215.542.0723
Email: jdery@starfieldsmith.com
Address: 1300 Virginia Drive, Suite 325
Fort Washington, PA 19034


  • August 9, 2017: Best Practices: Credit Elsewhere Requirements
  • April 26, 2017: Best Practices: Use of Proceeds Disbursement Considerations
  • February 1, 2017: Best Practices: Seller Notes in Business Acquisitions
  • July 13, 2016: Best Practices: What Lenders Need To Know About Lender Service Providers
  • April 27, 2016: Best Practices: Collateral Securing Guaranties
  • February 3, 2016: Best Practices: Landlord Waivers for Leasehold Improvement Loans
  • August 5, 2015: Best Practices: Succession Plans
  • February 4, 2015: Best Practices: Amending Your Credit Approval
  • October 29, 2014: Best Practices: Revisions to 504 Loan Program Guidelines Help Program Participants
  • July 30, 2014: Best Practices: Project Cost Computations
  • April 23, 2014: Best Practices: Business Entity Documents – Are Your Loan Documents Enforceable?
  • January 22, 2014: What Lenders Need to Know about SBA Forms 1919 and 1920SX for 7(A) Applications
  • October 30, 2013: Best Practices: Required Financial Analysis for SBA 7(A) Loans Over $350,000 Under SOP 50 10 5(F)
  • August 28, 2013: Best Practices: Tax Lien and Judgment Searches
  • April 24, 2013: Best Practices: New SBA 504 Loan Document Certifications
  • August 15, 2012: Best Practices: Review of Business Entity Documents
  • April 25, 2012: SBA Eligibility of Non-U.S. Citizen Owned Businesses
  • February 1, 2012: Best Practices: Statement of Business Purpose
  • December 7, 2011: Best Practices: Final Rule on 504 Debt Refinancing
  • September 14, 2011: Best Practices: Business Purchase Agreements
  • July 13, 2011: Best Practices: New Fixes to the SBA 504 Temporary Debt Refinancing Program
  • May 11, 2011: Best Practices: Key Changes to the SBA 504 Temporary Debt Refinancing Program Aimed To Attract More Loans
  • March 9, 2011: Best Practices: Fictitious Names