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2024 Business Owner Report

This year’s survey explores the perspectives, aspirations and outlooks of small and mid-sized business owners across the U.S.

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KARA GARCES

Vice President

Senior Relationship Manager

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My passion for finding creative solutions.

With a focus on connecting client needs with the right guidance and tools, I thrive on building productive long-term relationships.

Profile

Kara has over 20 years of experience in the financial services industry including commercial credit underwriting, business relationship management, and Small Business Administration (SBA) Lending. She is skilled at understanding each client's needs and tailoring custom solutions to help them succeed financially in all stages of their business.

As a Business Banking Senior Relationship Manager, she is focused on serving mid-sized business customers in the North Florida area.

Kara is a strong advocate for client digital efficiencies and fraud prevention. She is also a subject matter expert in loan structuring and has significant expertise in SBA Lending.

Kara was previously with Bank of America in the Charleston, SC market before rejoining Bank of America in the Jacksonville, FL market in 2024. Prior to re-joining Bank of America, Kara was mostly recently at Wells Fargo serving as Vice President, SBA Business Development Officer and previously served as a Relationship Manager in their Business Banking division.

Kara holds a Bachelor of Business Administration in Managerial Finance, Cum Laude, from The University of Mississippi (Ole Miss). She moved to North Florida in 2015 and is very passionate in women's entrepreneurship as demonstrated by her involvement in the Jacksonville Women's Business Center.

In 2024, Kara and her husband, Philip, celebrated their 20-year wedding anniversary and have a son and daughter. In her spare time, Kara enjoys working out, volunteering, relaxing at the beach with her family, and cheering on her Ole Miss Rebels. Kara resides in Ponte Vedra Beach and is a member of Our Lady Star of the Sea Catholic Church.

  • LANGUAGES

    English

  • INDUSTRY FOCUS

    • Wholesale Trade
    • General industries
    • Accounting and Law Firms
    • Healthcare & Physician Practices
    • Transportation
    • Manufacturing
    • Not-for-profit
    • Professional Services

Bank of America Business Banking

As you work to take your business to the next level in an environment where business and technology sophistication are critical to having a competitive edge, you need a local banking partner who has your long-term interests at heart.

Bank of America is that local advocate. We work closely with you to understand your business goals. We then draw on our Bank wide resources, technology and experience to generate ideas and solutions that will propel your business further.

With Bank of America Business Banking by your side, you can be assured your business has the power to grow and thrive.


You can benefit from:

Local Relationship Managers who are your advocates and bring the Bank’s resources to you as a seamlessly integrated, dedicated team

Comprehensive commercial banking platform with full range of products and technology, backed by Bank of America’s strength and stability

Access to bank-wide services beyond business banking, to manage both your business and personal wealth

Let's have a conversation.

There is no substitute for a one-on-one relationship with a Bank of America relationship manager who is committed to your needs. Request an appointment today.

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