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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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Lucas Loniewski is a Senior Relationship Manager for the Phoenix Market in Commercial Banking at Bank of America. In this capacity, his responsibilities include leading a team of specialists focused on understanding each client’s unique needs to deliver strategic financial guidance and solutions. Lucas’s primary focus is to help local companies thrive by achieving their business goals, no matter how simple or how complex they are.

Bringing 13 years of experience, Lucas joined Bank of America in 2014 and has served in multitude of capacities in Relationship Management, Leading Teams and Commercial Credit helping invest capital in our business communities.   He began his banking career at Santander Bank UK in Edinburg, Scotland where his most recent role was a Corporate Banker for the greater Philadelphia, PA Market.  Throughout his banking career, Lucas has served mid-sized companies throughout the United States and Scotland to support their commercial banking needs.

To help create a more sustainable future for the companies and communities he serves, Lucas volunteers with several not-for-profit organizations focused on ending hunger and homelessness. 

Lucas graduated in 2008 with a Bachelor Degree in International Business, Minors in Business Law and Finance from Eckerd College in St. Petersburg, Florida and is currently pursuing his MBA from the University of Arizona.

He resides in Phoenix with his wife, two children and enjoys being outdoors and traveling.


    • General industries
    • Healthcare & Physician Practices
    • Waste Management

    • Feed My Starving Children
    • Eliminating Domestic and International Economic Inequality

Meet the Team

With access to the global resources of Bank of America, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Betty Munoz

Assistant Vice President

Sales Support Associate

Justin Keith

Vice President

Treasury Sales Officer

Gray Palensky


Treasury Sales Analyst

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.