Personalized solutions and local decisions to help businesses succeed
Some banks measure their success by the profits they return for investors. At Pioneer Bank, we measure by the success of our customers - especially when it comes to business lending. We're the only mutual bank in the Capital Region, and adhere to high standards for stability and responsible lending practices. We make our business loan decisions to benefit our customers and communities.
Part of what sets Pioneer Bank apart is our experienced team of small business and commercial lending experts; people who live and work where you do business. We make sound local loan decisions based on personal knowledge of the community, not automated scoring models or a call to an "expert" in an office that's hundreds of miles away. At Pioneer, we never have to go farther than our local headquarters to get an approval. We write and service your loan here; we get to know our customers by name, and everybody works to benefit you, the customer.
Business Lending with a focus on the customer:
• We make decisions based on our individual customers, not portfolios: Pioneer is a community bank in the truest sense. As the Capital Region's only mutual bank, we serve our customers, employees and community first - not the interests of stockholders.
• Local decisions: Our lending team members live in the communities where you do business. When we need an answer, we meet in our headquarters located in the Capital Region.
• Flexible lending solutions: Our lenders aren't limited by loan type, restrictive policies or automated scoring models. We look at each loan individually and work to figure out a solution that will help our customer succeed.
• Character counts at Pioneer: A loan application can't always tell the whole story. We take the time to listen and consider your particular needs in the approval process.
• Timeliness matters: We strive to provide timely answers to your questions and provide quick decisions to credit requests. Our decisions are made locally so we don't waste time talking with decision-makers outside of our lending area.
• Pride in relationships: Every member of our team works for you - from our lending officers and support people, to our branch managers and tellers. We can provide better service because we know you.
Learn more about Pioneer's business lending solutions here:
• Business Lending Team: Local knowledge, local decisions from people you know. Read more
• Commercial Mortgages: Financing solutions for your commercial real estate needs. Read more
• Construction Loans: Financing to build or develop commercial real estate property. Read more
• Term & Equipment Loans: Financing for equipment, vehicles and long-term business needs. Read more
• Business Line of Credit: Ready cash and working capital to cover your business needs. Read more