Business Loans

Business lending with a focus on you
Pioneer is a community partner in the truest sense, making decisions based on our individual customers, not just their portfolios. We understand that a loan application doesn't always tell the whole story, which is why we take the time to listen and consider your particular needs in the approval process. Every member of our local team works for you - from our lending officers and support teams to our branch managers and tellers.

Conventional Lending Options

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
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
Ask about Business Term & Equipment Loans from Pioneer:
  • Term Loans for long-term financing needs.
  • Equipment loans to purchase essential equipment.
  • Financing for new or used vehicles
Ask about Pioneer's Business Line of Credit:
  • Flexible revolving credit lines to fit your business
  • Competitive rates and flexible term options
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
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.

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

2. Visa'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.

SBA & Alternative Lending Options

Pioneer provides access to alternative funding options from $50,000 to $25 million through the Small Business Administration (SBA), US Department of Agriculture (USDA), and Community Loan Fund. Funds may be used for working capital, purchasing or starting a business, obtaining equipment, construction, debt refinancing, or other needs. Eligibility requirements apply.

Loan amounts between $50,000 - $5 million with interest rate negotiated between borrower and lender.

Who’s eligible?

  • For-profit businesses
  • Businesses with reasonable invested equity
  • Businesses that use alternative financial resources, including personal assets, before seeking financial assistance

How can an SBA – 7(a) loan be used?

  • Purchase machinery, equipment, supplies, furniture, fixtures
  • Make lease-hold improvements or expand or renovate facilities
  • Purchase permanent working capital and/or inventory
  • Acquire a business
  • Start a business
  • Acquire land and build a location
  • Refinance certain existing debt

Loan amounts between $100,000 - $5.5 million with fixed interest set at closing.

Who’s eligible?

  • Businesses that operate for profit
  • Businesses with at least 10% equity injection for most requests
  • Businesses that use alternative financial resources, including personal assets, before seeking financial assistance

How can an SBA – 501 loan be used?

  • Purchase or renovate capital assets (land, buildings, equipment)
  • Refinancing permitted

Loan amount of a maximum of $50,000 with the interest rate set by the lender.

Who’s eligible?

  • Small businesses
  • Certain non-profit childcare centers
  • At the discretion of our lending partners

How can an SBA – Microloan be used?

  • Purchase working capital
  • Purchase furniture, fixtures, supplies, materials, equipment

Loan amounts of a maximum of $25 million, with interest set by the lender.

Who’s eligible?

  • Based on geographical location; speak with an SBA Relationship Manager to discuss eligibility
  • Available to for-profit and non-profit entities
  • Some industries are excluded (ie: golf courses, gambling)

How can a USDA loan be used?

  • Purchase or construction of real estate
  • Purchase or install machinery and equipment, supplies and inventory
  • Debt refinancing
  • Business acquisitions
  • Business growth or modernization

Fixed loan payments and amounts of a maximum of:

  • $25,000 for start-ups
  • $50,000 for businesses operating for 1 year or more
  • $500,000 for non-profits

Who’s eligible?

  • Women-owned
  • Minority-owned
  • Low-income borrowers
  • Non-profits

How can a loan from the Community Loan Fund be used?

  • Purchase or renovate real estate
  • Purchase or install machinery and equipment, inventory
  • Assist with cash flow or working capital
  • Invest in green technology or sustainability

For more information about SBA and alternative lending options, reach out to an SBA Relationship Manager by calling 518.730.3163.

Subject to credit approval and program guidelines. SBA loans are subject to SBA eligibility guidelines. Certain restrictions apply to refinancing options and are subject to program terms.