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Business Loans

For information on the SBA Economic Injury Disaster Loan or Paycheck Protection Program, please click here to visit our COVID-19 Business Resource page.

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. Headquartered right here in the Capital Region, we serve our customers, employees, and community.
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 teams, to our branch managers and tellers. We can provide better service because we know you.


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Commercial Mortgages

Ask about commercial mortgages and commercial real estate financing
  • Fixed and Adjustable Rate Mortgages
  • Competitive interest rates
  • Flexible terms and personalized solutions
  • Title Insurance service available
  • Construction loans and financing

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Construction Loans

Ask about Pioneer's commercial real estate construction loans:
  • Competitive interest rates and flexible terms
  • Commercial Real Estate Construction loans and financing
  • Land Acquisition and Development loans
  • Builder financing

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Term & Equipment Loans

Ask about Business Term & Equipment Loans from Pioneer Bank:
  • Term Loans for long-term financing needs.
  • Equipment loans to purchase essential equipment.
  • Financing for new or used vehicles

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Business Line of Credit

Ask about Pioneer's Business Line of Credit:
  • Flexible revolving credit lines to fit your business
  • Competitive rates and flexible term options

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Business Credit Cards

Manage your business expenses with ease

With a Visa® Business Credit Card you can simplify the way you spend and manage your expenses and cash flow - so you can get back to business.

Track Spending Easily
  • Monthly Account Summaries 
  • Monitor Activity Electronically by Account
  • Statement Access and Online Payment
  • Individual Spending Limits by Employee
 Rewards Program1Annual Fee
Visa Business Rewards Card Earn 1 point per dollar spent on qualifying purchases $50.00 Per Card
Visa Business Cards N/A N/A
Additional Visa Benefits
  • Embedded Chip for Enhanced Security
  • Purchase Security/Extended Protection
  • Auto Rental Collision Damage Services
  • Travel/Emergency Assistance Services
  • Visa’s Zero Liability Policy2
  • Emergency Card Replacement 
  • Cardholder Inquiry Service

UMB Bank, n.a., the top-rated lead bank of UMB Financial Corporation (NASDAQ:UMBF) – a financial holding company based in Kansas City, Missouri; is the issuer of the credit card.

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Business Cardholder Self-Service Contacts:

Online Account Access and Rewards Points Redemption –

Customer Service Call – 888.494.5141

Lost or Stolen Card – 888.494.5141

*Cards are issued through UMB Bank, n.a.

1See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply. 

2Visa’s Zero Liability Protection covers U.S.-issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult the issuer.

See card application for important rate, fee and program information. Cardholders should consult their Rewards Rules and Guide to Benefits that accompany their card for details. For specific restrictions, limitations and other details, please consult the card issuer, UMB Bank, n.a.

Personal Finance

Easily Control Your Money

With Pioneer's Personal Finance tool, you can take control of your money by setting goals, creating budgets, and tracking spending and savings. Organize and visualize your finances with this free tool from Pioneer Bank.

Learn More >>

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Pioneer Bank has no control over information at any site hyperlinked to or from this Site. Pioneer Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Pioneer Bank of any information in any hyperlinked site. In no event shall Pioneer Bank be responsible for your use of a hyperlinked site.

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