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Business Loan Products

Harford Bank has been helping businesses reach their full potential for over half a century in Harford and Cecil Counties.

Our commercial lending program offers the competitive rates and personalized service you deserve. At Harford Bank we believe you deserve a Commercial Lending opportunity as unique as you are and as unique as the business you have built. Loans are frequently a significant and critical part of your business plan and no one knows your business like you do.

There is no cookie-cutter path to success whether your business is baking cookies or web based cookie technologies. Our knowledgeable lenders are part of our community and understand the character of a Main Street business to the swift changes required for a technology innovator. This is why we customize loans to meet your needs. Harford Bank puts community first in our commercial lending as your business partner and neighbor.


Business Real Estate Loans

We finance the construction, purchase, expansion, renovation of your location. Harford Bank also provides loans for other commercial or residential properties to be held for rental/investment purposes.


Business Lines of Credit

Many of our businesses finance their wide variety of short-term credit needs through the use of a pre-approved lines of credit.


Business Term and Equipment Loans

Harford Bank provides short and intermediate term loans. Many of our Business partners use these types of loans to purchase or refinance vehicle, equipment, leasehold improvements or long term permanent working capital needs.


Business Letters of Credit

Harford Bank provides Letters of Credit to support business needs and to support real estate requirements.

Serving the Harford County Community



Lorrie Schenning
Executive Vice President, Chief Lending Officer
Phone: 410-420-4007

Lorrie Schenning has served as the Bank’s Chief Lending Officer since April 2017. She has been employed by Harford Bank since 2015. From 2008 to 2015, Lorrie was Senior Vice President and Director of Maryland at Peoples Bank. Prior to that, she was employed by Forest Hill Bank/Mercantile Bank for nearly 20 years. Lorrie holds a Bachelor degree in Business Administration and Masters of Science in Finance degree both from Loyola College in Baltimore.



Scott Elliott
Senior Vice President, Business Development Officer
Phone: 410-638-7507

Scott Elliott is the Vice President of Commercial Lending here at Harford Bank. His background includes all aspects of commercial lending and portfolio management with middle market and small business customers, with sales and business development expertise in building customer relationships and generating new business across retail deposit and various commercial lending products.

Scott has worked with many charitable organizations throughout the years to include the Community Foundation of Harford County as the Founder, Past President, Past Treasurer, Distribution Committee Chair, Harford Family House as the past President & Treasurer, Past Fundraising Campaign Chair and currently the Property Committee Chair, as well as Edgewood Academy of Finance as the Founder, past President (2 terms), and currently the Chair and HOF Liaison. Scott is also a member of the Aberdeen Rotary, Bel Air Downtown Alliance, Route 40 Business Association, 755 Alliance and the City of Havre de Grace Economic Development Advisory Board.

Scott received a Bachelor of Science in Business Administration from Georgetown University and a Masters of Science in Business from the Johns Hopkins University Graduate School.


Lisa Bair
Business Development Officer
Phone: 410-942-4002

Lisa Bair joined Harford Bank in 2017. Lisa’s commercial banking background includes all aspects of commercial lending and portfolio management. Her expertise include improving customer relationships and generating new opportunities through cross-selling various deposit and lending products both on the retail and commercial sides.

Prior to joining Harford Bank, Lisa was the Assistant Vice President and Risk Manager at First Mariner (now Howard Bank) in Baltimore. During her tenure she primarily worked in their asset based lending and business development divisions.

Lisa received an Associates of Applied Science degree in Business Management from Harford Community College and a Bachelor of Science degree in Business Administration from the University of Maryland University College.

Serving the Cecil County Community


Danielle Carroll

Assistant Vice President, Business Banking Officer
phone: 410-920-5658

Born and raised in Elkton, Danielle began her career in community banking 18 years ago as a bank teller with county bank. she has served in many capacities including underwriting, mortgage lending, and retail management. she’s currently the business banker serving the Cecil county market with Harford Bank. She has a passion for building strong, long-term relationships that help business owners and managers navigate the financial health and growth of their operations. she enjoys partnering with clients in various industries including medical, construction, legal, real estate, and transportation. peace of mind is the goal for every customer, providing holistic financing options and banking solutions rather than a singular transaction to ensure smart growth, and stability. a graduate of Cecil community college with a degree in business administration, she is an active member and volunteer in her community, serving as secretary for the top of the bay women’s group and vice president of the Elkton alliance. she and her husband reside in Elkton where they are raising their 6yr old son and newborn daughter.


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NMLS #630406
Routing #055001070

8 West Bel Air Avenue
Aberdeen, MD 21001

member of FDIC and equal housing lender


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