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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13D
                    Under the Securities Exchange Act of 1934

                        Pioneer Commercial Funding Corp.

                                (Name of Issuer)
                     COMMON STOCK, $.01 par value per share

                         (Title of Class of Securities)
                                    723640108

                                 (CUSIP Number)
                            Attention:_______________
                        Pioneer Commercial Funding Corp.
                        One Rockefeller Plaza, Suite 2412
                               New York, NY 10020
                         Telephone Number:______________

                  (Name, Address and Telephone Number of Person
                Authorized to Receive Notices and Communications)
                                December __, 2002


             (Date of Event which Requires Filing of this Statement)

     If the filing  person has  previously  filed a statement on Schedule 13G to
     report the  acquisition  that is the subject of this  Schedule  13D, and is
     filing this schedule because of  ss.ss.ss.ss.240.13d-1(e),  240.13d-1(f) or
     240.13d-1(g), check the following box. [ ]


CUSIP No. ....723640108.....................



     1. Names of Reporting Persons. I.R.S.  Identification Nos. of above persons
     (entities only).


         .......Harmony Ventures B.V. ..............................

2.       Check the Appropriate Box if a Member of a Group (See Instructions)


         (a)      ..................................................


         (b)      ..................................................
.......



3.       SEC Use Only
.....................................................................

4.       Source of Funds (See Instructions)
.................WC..................................................

5.       Check if Disclosure of Legal Proceedings Is Required Pursuant to
           Items 2(d) or 2(e)
..................

6.       Citizenship or Place of Organization ......The Netherlands .......


Number
of
Shares
Beneficially
Owned by
Each
Reporting
Person With

7.       Sole Voting Power .........1,338,570............................
8.       Shared Voting Power ............................................
9.       Sole Dispositive Power..............1,338,570...................
10.      Shared Dispositive Power .......................................

11.      Aggregate Amount Beneficially Owned by Each Reporting Person
.......1,338,570...................................

12.      Check if the Aggregate Amount in Row (11) Excludes Certain Shares
          (See Instructions)
............

13.      Percent of Class Represented by Amount in Row (11)
..................35.1%........................................



14.      Type of Reporting Person (See Instructions)
...........................CO...........................................


Item 1.           Security and Issuer

     This  statement of Beneficial  Ownership on Schedule 13-D relates to shares
     of Common Stock,  par value $.01 per share (the "Common  Stock") of Pioneer
     Commercial Funding Corp., a corporation  incorporated under the laws of the
     State of New York (the "Issuer"), which has its principal executive offices
     located at One Rockefeller Plaza, Suite 2412, New York, NY 10020.

Item 2.           Identity and Background
                  (a) Name of Corporation: Harmony Ventures B.V.
                  (b) Place of organization: The Netherlands
                  (c)Principal Business: Investments
                  (d) Not applicable
                  (e) Not applicable

Item 3.           Source and Amount of Funds or Other Consideration
                     -Working Capital

Item 4.           Purpose of Transaction

Harmony Ventures B.V. purchased the Common Stock for the purpose of
consolidating ownership in one entity. The Purchaser and Seller are
affiliated companies.












Item 5.           Interest in Securities of the Issuer

     (a) Harmony  Ventures B.V.  beneficially  owns  1,338,570  shares of Common
     Stock,  which constitutes 35.1% of the issued and outstanding shares of the
     Issuer.

     (b)  Harmony  possesses  sole  power to vote and to  dispose  or direct the
     disposition of 1,338,570 shares of Common Stock.

     (c) On December __, 2002, pursuant to a Stock Purchase  Agreement,  Harmony
     Ventures B.V.  purchased an aggregate  amount of 1,338,570 shares of Common
     Stock at a price of $0.90  cents  per  share,  or an  aggregate  amount  of
     $1,204,713.

         (d)      Not applicable.

         (e)      Not applicable.

Item 6.           Contracts, Arrangements, Understandings or Relationships with
                  Respect to Securities of the Issuer

                   Not applicable.


Item 7.           Material to Be Filed as Exhibits
                         NONE








                                    Signature

     After  reasonable  inquiry and to the best of my  knowledge  and belief,  I
     certify that the information set forth in this statement is true,  complete
     and correct.



Date January 3, 2003


/s/ Ezra Harel
Signature



Name/Title



            Attention: Intentional misstatements or omissions of fact
           constitute Federal criminal violations (See 18 U.S.C. 1001)