Pittsfield Cooperative Bank > BORROW

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Services without Bureaucracy

You have a vision. Let's make it happen.

As a business, you're looking for advice or capital to grow or to manage cash flow. You definitely don't need roadblocks or red tape. We don't know why others do this, but we pride ourselves on lending without bureaucracy.

What does this mean? It's offering hands-on customer service and customized solutions for your business with no BS.

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Our team has over 100 years of combined lending experience. And, we have national relationships to assist you with collaborative connections to help your business grow.

Your business and its needs are unique. Through our personalized team approach, we will find and develop the financing option and product mix that best fits your goals.

We are lifelong Berkshire residents and know our region’s business landscape to assist you with the right kind of lending muscle with a fast decision.

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Meet Our Team:

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Mike Ferry

Senior Vice President | Commercial Lending Leader
(413) 629-1644
mferry@pittsfieldcoop.com

With more than 40 years of experience in the local banking industry, Mike brings a wealth of knowledge and expertise to his role as our Commercial Lending Leader. He has forged myriad relationships and contacts within both regional and national organizations that help his customers leverage services, network, and develop partnerships. Throughout his career, he has been committed to being a connector, fostering economic growth for his region and business community.

Beyond his professional achievements, Mike has been an active participant in various community organizations. He currently serves as a Director of The Feigenbaum Foundation and has been a board member and treasurer for Berkshire County Arc for 16 years. In July 2020, he was elected as the organization's Chairman of the Board.

Sierra King Watson

Vice President | Commercial Lending
(413) 629-1630
swatson@pittsfieldcoop.com

Sierra has fifteen years of combined experience in commercial lending, commercial real estate assessment, credit and risk analysis, portfolio management, relationship management, branch management and deposit operations. A Berkshire County native, she was immersed in entrepreneurship from a young age, gaining firsthand experience and insights while working for her family’s business. Her father, a successful business owner, introduced her to the fundamentals of running a business, instilling a strong work ethic and entrepreneurial mindset.

Beyond her banking career, Sierra and her husband operate their own business where she oversees the back-end financials, while her husband focuses on daily operations. She finds inspiration in learning how businesses thrive and sees each interaction as a dual opportunity to support her local business community and to gain insights from experienced leaders. Her passion for entrepreneurship, paired with her commitment to fostering business growth, makes her a valuable resource and advocate for those looking to achieve success in their own ventures.

Zachary Gundler

Vice President | Commercial Lending
(413) 629-1603
zgundler@pittsfieldcoop.com

Zach has more than a decade of experience in commercial lending, commercial real estate assessment, credit risk analysis, portfolio management, relationship management and business development. A Berkshire County native, his parents were local small business owners who he began working for as soon as he had his driver's license, and then helped manage for 15 years. This experience helped him understand and appreciate the time and effort required to run a business, leading him to a career in banking.

Zach has a Bachelor of Science in Business Administration and a Masters of Business Administration from the Massachusetts College of Liberal Arts. He previously served on the Vermont Banking Association Commercial Lending Committee and the Massachusetts College of Liberal Arts Alumni Board. He lives in Pittsfield with his wife, two children, and dog. He's an avid Red Sox fan, enjoys playing golf, and being involved in all his children’s activities.

Lisa M. Lawler

Vice President, Senior Credit Officer | Commercial Lending
(413) 629-1609
llawler@pittsfieldcoop.com

Lisa has more than 30 years of combined banking experience in business lending, credit and risk analysis, commercial real estate financing, commercial underwriting, and portfolio management. She has been with Pittsfield Co-op since 2022.

A Berkshire County native, Lisa loves the region's outdoor recreation and likes to go on spontaneous adventures. She loves sports and is an avid New York Yankees and New York Giants fan. She resides in Dalton with her youngest daughter and her pets.

Renee Kozakis

Commercial Loan Administrative Assistant
(413) 629-1615
rkozakis@pittsfieldcoop.com

A Berkshire County native, Renee has more than 35 years of regional banking experience ranging from branch and deposit operations, retail and commercial loan servicing, and account management.

Renee resides in Pittsfield with her family. When not at work, she enjoys spending time on the beach or cheering on her children and grandchildren at sporting events and school functions. In her spare time, she can be found cooking in her kitchen for family and friends.

Patrick J. Morrison

Junior Credit Analyst | Commercial Lending
(413) 629-1637
pmorrison@pittsfieldcoop.com

Patrick has been with Pittsfield Co-op since 2018, beginning as a teller and working his way up to the commercial credit department. His love of numbers inspired him to major in mathematics in college and certainly has helped his career in credit and risk analysis. He successfully completed Risk Management Association's Commercial Lending School and will graduate in June 2025 from the Massachusetts Bankers Association's Credit Analyst Apprenticeship Program.

A Berkshire County native, Patrick has helped coach little league baseball in Pittsfield since 2020. He and his family reside in Pittsfield.

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Recognized in 2022 by Banker & Tradesman as one of Massachusetts' fastest growing commercial lenders!

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Lending Options

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Business Lines of Credit (Working Capital Loans)

Be prepared for those times when you need some cash. A Business Line of Credit is ideal for short-term financing, emergencies, or seasonal needs. Let's work together. Pittsfield Cooperative Bank offers revolving credit, no cash advance fees, and no interest charges until you use the funds.

Equipment Loans

From heavy-duty equipment to general-purpose machines, we can help you with the funds you need to purchase, repair, replace, or upgrade the equipment that makes your business operate. We promise a fast decision so you can keep growing.

Vehicle Loans

When you need dependable transportation to complete the job, get your products to market, transport employees, or expand your business, come to us. We will work with you and provide flexible options to meet your needs. Let us help you drive growth and keep your business rolling.

Commercial Real Estate Loans

Every Berkshire business owner looking to purchase, build, develop, expand, renovate, or refinance owner-occupied property has a unique set of needs. Our real estate lending experts will work with you at every step of the way with great advice and can create a custom solution for your business.

Real Estate Investment Loans

When it comes to finding the right financing partner to help your next real estate investment take off, success is in the details. We know the cities, towns, and villages in the Berkshires and how to arrange financing to meet your needs. Pittsfield Cooperative Bank offers flexible and innovative financing options for non-owner-occupied properties such as office buildings, mixed-use commercial buildings, multi-family units, rental properties, and more.

Small Business (SBA) Loans

Get Pittsfield Cooperative Bank's excellent service with a loan partially guaranteed by the Small Business Administration, a government entity dedicated to the growth of small businesses.