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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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Michael Lania is a Senior Vice President and Relationship Manager for the Northern New Jersey 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. Michael's mission is to help local companies thrive by achieving their business goals, no matter how simple or complex.

Bringing over 20 years of experience, Michael joined Bank of America in April 2019. He began his banking career at First Union Bank, which then became Wachovia Bank, and is now Wells Fargo Bank. Before coming to Bank of America Michael worked for JP Morgan Chase Bank for 6 years.Throughout his banking career Michael has served mid-sized companies in the Northern New Jersey area to support their commercial banking needs.

Michael has been very successful with helping business owners to save time, save money, improve the company's cash flow, and to protect their companies from fraud.  He is also a lending specialist and has helped many business owners with obtaining commercial mortgages, business acquisition loans, lines of credits, and equipment loans.    

Michael was born and raised in New Jersey and obtained a Bachelor of Science degree from Rutgers University out of New Brunswick NJ. His degree major was in Marketing and a minor in Spanish.  He also obtained a certification in Credit Analysis from New York University.


    • General industries
    • Healthcare & Physician Practices
    • Transportation
    • Manufacturing
    • Professional Services
    • Technology Services
    • Wholesale Trade

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.

Wendy Santana

Assistant Vice President

Sales Support Associate

Toni Krantz

Vice President

Treasury Sales Officer

Andrew Vlahos

Senior Vice President

Lending Officer

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.