You have http://tricrownlending.com/members setup already, all you need to do is password protect it in cpanel. You would then create a username and password for each user which they use to login before they can view or access any files located in/at http://tricrownlending.com/members

I also have a script available to allow the users to create their own account to login to the password protected directory, if you are interested in that the link is in my signature.

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Register/Login Script
Do you use a Password Protected Directory? Need a way to allow users to make their own account, try my .htaccess Login Script