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    Providing investment banking solutions, including M&A, capital raising and risk management, for a broad range of corporations, institutions and governments.
  • Payments
    Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

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  • Asset Management

    Putting our long-tenured investment teams on the line to earn the trust of institutional investors.

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    Direct access to market leading liquidity harnessed through world-class research, tools, data, and analytics.

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    Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of a rapidly evolving market.

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    Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.

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    Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.

  • Global Liquidity Solutions

    Global short-term fixed income strategies designed to help clients manage liquidity through the cycle.

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    With J.P. Morgan Wealth Management, you can invest on your own or work with an advisor to design a personalized investment strategy. We have opportunities for every investor.
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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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PAYABLES FINANCE

Supply Chain Finance Solutions

Build stronger relationships, increase resiliency, and optimize working capital for buyers and suppliers.

CONTACT US

Extend your terms and expand supplier trust

Help unlock working capital with extended payment terms for buyers and accelerated payments for suppliers.

Working capital optimization solutions

Extend payment terms to enhance cash flow flexibility and improve days payable outstanding (DPO) while strengthening supplier relationships.

Dedicated supplier onboarding

Receive ongoing support with one-to-one meetings, self-service setup and continued maintenance beyond enrollment.

Streamlined integration with dynamic discounting

Help enable strategic payment flexibility by shifting between supply chain finance and dynamic discounting within the same platform.

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Supply chain finance in action

Discover how buyers extend terms while suppliers receive early payment.

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Supply chain finance in action

Discover how buyers extend terms while suppliers receive early payment.

Payment terms can pull you and your suppliers in different directions, but they don't have to.

JP Morgan helps give you control over payment timing without straining your cash flow, so working capital is available when you both need it.

Supply chain financing by JP Morgan.

Working Capital Accelerator Platform

Transform working capital into a strategic tool. Our proprietary platform unifies visibility and control across your payables and receivables, offering flexible integrations that work with your existing systems to deliver near-real time, actionable insights that help optimize cash flow.

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Launch your program with flexible integration solutions

Connect to our Supply Chain Finance platform through manual upload, API integration or Host-to-Host connectivity.

Embedded finance with Oracle Fusion
Set up and manage programs directly within Oracle Fusion ERP with minimal technical effort.

Working Capital Innovation Award 20251

SAP certified add-on
Integrate with SAP systems using our proprietary SAP add-on to automate supply chain finance and dynamic discounting.

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Hear from our clients

See all client stories

Treasury

Caterpillar: Constructing the future of working capital, growth and innovation

May 31, 2024

Caterpillar’s Patrick McCartan, Vice President & Corporate Treasurer, and Pete Chambers, Senior Manager Supplier Finance, share how J.P. Morgan helps Caterpillar optimize working capital and preserve a resilient supply base.

Read more

Frequently Asked Questions

Supply chain financing is a buyer-led financing program that helps suppliers monetize their accounts receivable at a discounted rate while allowing buyers to extend their DPO. This solution serves as an alternative to debt, helping buyers avoid high-cost loans and unlock working capital while strengthening supplier relationships.

Supply chain finance helps buyers and suppliers optimize cash flow. When a buyer purchases goods, they send approved invoices to J.P. Morgan. We offer to pay suppliers earlier at a small discount, instead of waiting 30, 60 or 90 days. By accepting early payment, suppliers can help improve their liquidity. Buyers pay J.P. Morgan the full amount on the original due date, extending their payment terms and preserving working capital. The result is a win-win: suppliers get paid quickly, buyers maintain flexible payment terms and supply chain relationships stay strong.

Supply chain finance helps buyers optimize their cash conversion cycle by extending DPO without negatively impacting suppliers. Buyers can hold onto cash longer, improving their working capital position and freeing up funds for growth, operations or strategic investments. Meanwhile, suppliers still receive early payment through J.P. Morgan, which helps strengthen buyer-supplier relationships and can lead to better pricing and terms. This can result in buyers improving their cash position and cycle time while maintaining a healthy, collaborative supply chain.

Related solutions

Related solutions

Trade & Working Capital

Transform your working capital into a strategic edge.

Learn more

Payables Finance

Manage payment timing with greater precision.

Learn more

Dynamic Discounting

Capture discounts and strengthen supplier relationships by using surplus cash to fund early payments.

Learn more

Working Capital Accelerator

Transform your working capital through a centralized platform for payables and receivables solutions, improving visibility and control.

Learn more

Treasury

Financing Resilience: Unlocking strategic capital in the defense industrial base

Feb 09, 2026

Rising inventory levels and longer program cycles are reshaping cash flow dynamics across the defense supply chain. A strategic approach to working capital can help unlock liquidity, support R&D investment, and strengthen resilience from primes to suppliers.

Read more
Hands examining document

Treasury

Understanding trade credit and trade credit insurance

Sep 12, 2025

Trade credit insurance may be able to help protect businesses when customers fail to pay. Discover how it works and how to determine if it’s right for your company.

Read more
Futuristic sports car wireframe intersection with custom LED lights (3D Illustration)

Treasury

Driving innovation: Inventory finance in the automotive supply chain

Jun 11, 2025

The auto industry's shift to software-defined vehicles and autonomy heightens its reliance on semiconductors. Learn how top enterprises manage supply chain complexities to stay competitive through this digitized evolution.

Read more

Treasury

Minerva Foods boosts global sales by improving working capital

Feb 21, 2025

Learn how the food manufacturing giant achieved better cash management with J.P. Morgan Payments.

Read more

Treasury

From demand to delivery: Lenovo's strategic working capital solutions

Jan 31, 2025

Learn how Lenovo met rising customer demands with working chain solutions

Watch video

Treasury

Five emerging trends shaping the export credit agency (ECA) landscape

A series of trends in export finance have revealed a large focus on critical minerals, energy security and sustainability.

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Treasury

ScottsMiracle-Gro improves liquidity and streamlines cash flow management

Sep 09, 2024

Learn how the lawn and garden supply manufacturer and marketer boosted working capital with a tailored receivables solution.

Read more

Treasury

Caterpillar: Constructing the future of working capital, growth and innovation

Caterpillar’s Patrick McCartan, Vice President & Corporate Treasurer, and Pete Chambers, Senior Manager Supplier Finance, share how J.P. Morgan helps Caterpillar optimize working capital and preserve a resilient supply base.

Read more

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References

1.

https://www.workingcapitalforum.com/award/oracle-fusion-and-jp-morgan-working-capital-innovation-award

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