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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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In his role as a Relationship Manager for Bank of America’s Orange County Commercial Banking Team, Robert works with a local team of specialized individuals focused on understanding each organization’s unique financial needs to deliver strategic financial guidance and integrated solutions. Robert's mission is to help local businesses and organizations grow, improve cash flow, manage risk, invest for the future, and to help make financial lives better. The team fulfills the mission by delivering specialized services and financial advice that is customized for businesses and organizations with annual revenues from $5 million to $50 million that is consultative and relevant with concentration on credit and lending, deposits, and cash management solutions. Tailoring his approach to each client, Robert collaborates with his team to empower local Orange County businesses and organizations to help drive growth and efficiency, while additionally providing specific industry and economic insights as well as trends, data insights, and peer comparisons that are specific to their related industry.

Robert began his banking career in 2007 and has spent 15+ years in the financial services industry, having served consumers, individual investors, not-for-profits, local governments, and privately owned businesses in Orange County for financial institutions ranging from global institutions to local community banks. Robert is a passionate supporter in community involvement and volunteer efforts, with an invested interest in cancer research, advocacy for children and mental health, autism support and research, anti-bullying support, K-12 educational resources, and other various initiatives integral to creating a sustainable future for both his clients and the communities they serve.

Robert is native to Orange County and spent over 30 years residing in the OC market and 3 years in Colorado before returning to Southern California. He currently resides in Laguna Niguel, CA with his wife of 16 years, three sons, and two dogs.


    • General industries
    • Manufacturing
    • Not-for-profit
    • Accounting and Law Firms
    • Engineering Firms
    • Government Contractors
    • Transportation
    • Professional Services

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.

Yanira Franco

Sales Support Associate

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.