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Treasury and Payments

Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.

Learn more about our treasury solutions:

Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

Learn more about our commercial real estate solutions:

International Banking

Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need. 

Learn more about our international banking solutions:

Government Banking

Overcome your unique budgetary, tax collection, financing and liquidity challenges.


dedicated government bankers1


in nonprofit and government financing2


states of the US served3


cash management portal4

What We Do

We provide financial solutions to all types of state and municipal governments and organizations. Our dedicated team of government bankers structure thoughtful strategies and keep you updated regarding the current best practices so that your organization has the practical tools and resources needed to meet today’s budgetary, tax collection, financing and liquidity challenges.


Leverage Our Expertise to Your Advantage

Benefit from our understanding of today’s challenges and our firm’s firsthand experience helping government agencies and authorities manage issues ranging from planning and development to tax processing, utilities, finance, procurement, public safety and disaster relief. Not only are our bankers government specialists, our partners in treasury and payments, merchant services and commercial card all have government experience as well—giving us a unique perspective into your business and industry.


Access Resources Across Our Firm

Your dedicated banker offers more than specialized industry capabilities. Through your relationship, you also gain access to the full resources of our firm to help you meet your fiscal and operational goals. These include a full portfolio of capital market solutions as well as the insights and research of our asset management partners.


Upgrade Your Treasury Management Capabilities

Our online platform scales to the complexity of your collection and disbursement needs to help you manage your cash banking activities with less effort and greater confidence. By centralizing your banking activities on a single digital dashboard, it literally puts your finances at your fingertips—anytime and anywhere.


Fulfill Your Public Responsibilities

Whether its fire and emergency response equipment or municipal service vehicles, our dedicated government leasing team can help you arrange financing that makes the best use of your balance sheet. Learn more here.


Borrow More Effectively

A negotiated direct purchase loan is a flexible structure that enables you to meet particular cash flow needs by borrowing directly from J.P. Morgan. This type of loan has low upfront costs since it bypasses underwriting and it can accommodate up to 100 percent of your required proceeds for periods as long as 15 years. Given their unique nature, these deals can close in as little as two weeks. They can also take the structure of a general obligation, limited obligation, or appropriation obligation based on your need.


Work with a Committed Partner

We use our strategic relationships to support government clients in the areas of education, providing community resources to improve economic prospects, and investing in infrastructure. In recent years, we’ve committed $100 million to a five-year program to support and accelerate Detroit’s economic recovery. We also made a $10 million, three-year investment to help drive inclusive economic growth in underserved Washington, DC, neighborhoods, most notably in Wards 7 and 8. Learn more about our community initiatives here.

Connect with an Expert

Contact us

Investment Banking

World-class investment experts with local expertise and global solutions.

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Get in Touch and Stay Informed


1 We have more than 60 bankers dedicated to working exclusively with our government clients.
2 We spent more than $100.7 billion financing local nonprofits and governments in 2017.
3 Currently, we provide financial solutions to more than 2,200 state and local governments in 40 of the 50 states.
4 J.P. Morgan Access® is the top cash management portal in North America. Source: Greenwich Associates Digital Banking Benchmarking Study 2016.