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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:

Demystifying Exports

Manage export payment settlement, mitigate financial risks and optimize working capital


of the world’s consumers live outside the US


Companies that only sell domestically are reaching less than 5 percent of their potential customer base


Exporting is the #1 mode of entry into the international marketplace

Expanding into new markets opens the door for new customers and revenue. Exporting also provides customer diversification—hedging a business against the cyclical flows that may be happening at home or in other markets. This new capital stream allows companies to reinvest in their business and talent, which often leads to job creation, higher wages, infrastructure investment and innovation.

Key Considerations for Global Trade Transactions

International trade can be highly rewarding for a business, but it can also be risky and complex. Here are the four key considerations when assessing global trade transactions.



Exporters can lose their entire profit margin due to unexpected costs, so they need to understand end-to-end transaction costs, risks and how to get paid.

Vasudha Saxena Head of Global Trade, J.P. Morgan Commercial Banking

Financing Your Exports

Using the right financing tools can help exporters increase their working capital and win sales against foreign competitors. Getting paid for the transfer of goods is the end goal in an export transaction, and the seller must choose a financing option that minimizes payment risk while also meeting the buyer’s needs.

There are many payment methods that can assist you in financing your export operation both pre- and post-export.



Common Payment Methods

Letters of Credit


Protects exporters against nonpayment if the exporter meets the terms in the LC; mitigates cross-border risks

Leverages the bank’s compliance and control mechanisms

Manages payment and document exchange, governed by global standards

Offers flexible financing options

Open Account


Risk of non-payment is entirely on seller: full counterparty, country, currency and cross-border risks

Compliance, control and anti-money laundering issues managed by seller

No third-party oversight or guarantees

Simple, streamlined and inexpensive


Export Import Bank of the United States (EXIM)


For many US exporters, a lack of financing can stand in the way of taking advantage of new business opportunities abroad. The EXIM Bank is the official Export Credit Agency (ECA) of the United States that helps businesses expand their export sales. The mission of ECAs, including EXIM, is to drive exports from their respective countries by offering trade financing and risk mitigation solutions, such as loan guarantees, export credit insurance and direct funding options for exporters and their foreign buyers.

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Achieve Success in Your Export Operation

Despite the risks, there are many benefits to entering global markets through exporting.

As a recognized leader in global trade services, our team of trade experts can provide financing options to help make a competitive export sale, reduce the risk inherent in cross-border payments, and develop a secure and efficient trade process that also can help improve your cash flow.


J.P. Morgan's Trade Experience


Countries in which we support international trade activities


Trade professionals around the globe


Banks in our correspondent network

Get in Touch and Stay Informed