To report a lost or stolen debit card please call 407.545.2662 during normal operating hours. After hours, please call 1.800.500.1044 immediately or access www.visa.com
Our Bank Routing and Transit Number is: 063114661
You will be linking to another website not owned or operated by Cogent Bank. Cogent Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Cogent Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Cogent Bank.
If you "Proceed", the link will open in a new window.
You are leaving Cogent Bank and going to Cogent Private Wealth, a boutique advisory firm offering comprehensive financial planning and investment management services. Some of their products are NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE BANK; and MAY LOSE VALUE.
If you "Proceed", the link will open in a new window.
Please note that by clicking on this email address, you are leaving the Cogent Bank website and accessing an external email platform. Cogent Bank has no control over the content of any communications contained within this platform and cannot be held responsible for any information exchanged. We caution users to be careful when sharing any personal or sensitive information via email, as it may be intercepted or misused by third parties. By using this email platform, you accept full responsibility for any risks that may arise from its use.
If you "Proceed", the link will open in a new window.
With 20 years of experience as a lender, Karim can help your company with a wide variety of commercial lending needs including commercial real estate, working capital lines of credit, asset-based lending, mergers & acquisition, bridge financing, and private equity lending. A Winter Park resident for over ten years, Karim is firmly rooted in the Central Florida world of commerce. A member of the Downtown Orlando Partnership and Orlando Tech Council, you can find Karim at our Orlando Banking Center.
Karim’s expertise as a commercial lender extends beyond his decades of experiences—his credentials are just as noteworthy. He holds both an MBA and Bachelors of Science in Finance and Economics from the University of South Florida, as well as a Masters of Accounting. He’s a Certified Financial Planner (CFP), Certified Treasury Professional (CTP), and is Life & Variable Annuity Insurance Licensed.
For Karim, being a lender most often means being a facilitator—whether it’s facilitating a dream to own a home, buy an investment property, fund a business opportunity, or simply help an individual or business through a difficult time. While debt is often seen as a negative, Karim believes that, when used correctly, financing can be a bridge to opportunity and to overcoming challenges. Karim explains his philosophy in serving his clients: “I always try to act as if it is my money in the deal and I have a seat at the table when working with lending clients, and in the long run that serves us both well.”
If you’re looking to apply for a commercial loan, Karim has the following advice:
“We rely on information to make our decisions, so, in almost every case, more is better: information about the borrower, their industry, their experiences, and their plans, as well as relevant data about what the money will be used for, how it will be repaid, and what loan terms the borrower is considering. The quicker and more complete the information provided, the faster we can provide answers and potential solutions. Seeing us as a true partner means providing transparency so we can be a trusted advisor, bringing informed ideas to the table to help achieve whatever goal you may have in seeking financing.”
Karim lives in Winter Park with his wife, two children, and their dog. Karim is a huge college and professional football fan, and loves traveling the world, fishing, golfing, and cooking in his free time—and investing, too. When not working, Karim also spends his time volunteering for Victory Cup Initiative and Winter Park High School Athletics.
As an experienced commercial banker, Karim is happy to discuss your business’s financing needs.