Commercial Banking

From startups to legacy brands, you're making your mark. We're here to help.

  • Innovation Economy
    Fueling the success of early-stage startups, venture-backed and high-growth companies.
  • Midsize Businesses
    Keep your company growing with custom banking solutions for middle market businesses and specialized industries.
  • Large Corporations
    Innovative banking solutions tailored to corporations and specialized industries.
  • Commercial Real Estate
    Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
  • Community Impact Banking
    When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.
  • International Banking
    Power your business' global growth and operations at every stage.

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Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment.

  • Asset Based Lending
    Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.
  • Equipment Financing
    Maximize working capital with flexible equipment and technology financing.
  • Trade & Working Capital
    Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.
  • Syndicated Financing
    Leverage customized loan syndication services from a dedicated resource.
  • Commercial Real Estate
    Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
  • Employee Stock Ownership Plans
    Plan for your business’s future—and your employees’ futures too—with objective advice and financing.

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Institutional Investing

Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

  • Institutional Investors
    Putting your long-tenured investment teams on the line to earn the trust of institutional investors.
  • Markets
    Direct access to market leading liquidity harnessed through world-class research, tools, data and analytics.
  • Prime Services
    Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.
  • Global Research
    Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.
  • Securities Services Solutions
    Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.

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Investment Banking

Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

  • Center for Carbon Transition
    J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
  • Corporate Finance Advisory
    Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.
  • Development Finance Institution
    Financing opportunities with anticipated development impact in emerging economies.
  • Sustainable Solutions
    Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.
  • Mergers and Acquisitions
    Bespoke M&A solutions on a global scale.
  • Capital Markets
    Holistic coverage across capital markets.

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Payments

Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

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Private Bank

A uniquely elevated private banking experience shaped around you.

  • Banking
    We have extensive personal and business banking resources that are fine-tuned to your specific needs.
  • Investing
    We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.
  • Lending
    We take a strategic approach to lending, working with you to craft the right financing solutions matched to your goals.
  • Planning
    No matter where you are in your life, or how complex your needs might be, we’re ready to provide a tailored approach to helping your reach your goals.

Wealth Management

Whether you want to invest on your own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.


  • Invest on your own
    Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.
  • Work with our advisors
    When you work with our advisors, you'll get a personalized financial strategy and investment portfolio built around your unique goals-backed by our industry-leading expertise.
  • Expertise for Substantial Wealth
    Our Wealth Advisors & Wealth Partners leverage their experience and robust firm resources to deliver highly-personalized, comprehensive solutions across Banking, Lending, Investing, and Wealth Planning.

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For Companies and Institutions

  • Commercial Banking

    From startups to legacy brands, you're making your mark. We're here to help.

     

  • Institutional Investing

    Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

  • Payments

    Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

  • Credit & Financing

    Prepare for future growth with customized loan services, succession planning and capital for business equipment.

  • Investment Banking

    Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

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For Individuals

  • Private Bank

    A uniquely elevated private banking experience shaped around you.

  • Wealth Management

    Whether you want to invest on you own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.

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Who We Serve

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All Insights

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Insights by Topic

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Insights by Type

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About Us

We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.

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Financing Affordable and Workforce  Housing

Creating and revitalizing neighborhoods through tax credits and financing

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Hanac building exterior

140K+

affordable housing rental units created and preserved1

$25.3B+

toward financing affordable housing1

Grand Oaks housing exterior

Affordable and workforce housing builds strong communities

Neighborhoods thrive when housing is accessible and affordable to low- and middle-income households. We provide innovative financing that goes beyond traditional affordable housing resources to help meet your community’s unique needs. 

People looking at drawings

    

What we do

With industry expertise and comprehensive financial solutions, our Community Development Banking team is dedicated to supporting your affordable and workforce housing efforts from initial planning to property development. 

Who we serve

We work with national, regional and local real estate developers that build or preserve affordable and workforce housing in low- and moderate-income communities. 

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Access firmwide expertise and capabilities

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Connect with our experts

  

Cécile Chalifour

Community Development Real Estate, West Region

Rochelle Dotzenrod

Rochelle Dotzenrod

Community Development Real Estate, Central Region

Sharmi Sobhan headshot

Sharmi Sobhan

Community Development Real Estate, East Region

Historic Tax Credit

Timothy Karp

Historic Tax Credit

Lionel Lynch headshot

Lionel Lynch

Workforce Housing Solutions

LIHTC Equity Housing

Mark McCann

LIHTC Equity Housing

Man and woman speaking at desk

Full-service treasury solutions

The Commercial Real Estate Payments team takes a consultative approach to help you maximize today’s opportunities and achieve your long-term goals. With expertise in and comprehensive solutions for affordable and workforce housing property managers and Community Development Financial Institutions, the team can also help you optimize your property- and cash-management systems to increase efficiencies.

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Affordable housing FAQs

Yes, we provide construction and permanent debt for projects by leveraging sources other than LIHTC equity. Projects can be fully rent restricted or mixed-income.

  • Construction and permanent financing for multifamily affordable and workforce rental housing
  • Bridge acquisition and refinancing loans for housing properties with rent restrictions or subsidy agreements
  • GSE agency lending to multifamily housing developments
  • Equity for community development properties utilizing the New Markets Tax Credit program
  • Historic Tax Credit equity for building restoration and preservation
  • Intermediaries lending to Community Development Financial Institutions (CDFIs) and Low-Income Housing Tax Credit (LIHTC) syndicators
  • Treasury and payments services

Yes. Our Tax Oriented Investments group, part of the Commercial & Investment Bank, invests LIHTC equity as an upper-tier investor through syndicators. Email TOI_Equity@jpmorgan.com for more information.

No. However, we do have maximum exposure limits for sponsors/guarantors.

View Community Development Banking FAQs

Related insights

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The future of modular affordable housing

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Modular construction can shorten project timelines and reduce costs, making it a promising tool to tackle the affordable housing crisis.

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Farmers market anchors fast-growing Alabama community

Aug 21, 2025

Find out how Foley, Alabama built a thriving farmers market, creating opportunities for entrepreneurs and expanding access to fresh produce and seafood.

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4:33 - Real Estate

If these walls could talk: Phoenix

Jul 23, 2025

We’ve invested more than $120 million in Phoenix affordable housing and community services. Discover Community Development Banking’s local impact.

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  • Equal Housing Lender

    Products and services are subject to approval and change. Certain restrictions apply.

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References

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January 2015 - December 2024