PAYABLES FINANCE

Supply Chain Finance Solutions

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

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Extend your terms and expand supplier trust

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

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Supply chain finance in action

Discover how buyers extend terms while suppliers receive early payment.

| 1:10

Supply chain finance in action

Discover how buyers extend terms while suppliers receive early payment.

[Two translucent white circles appear and]

 

[overlap. Text appears: "Payment terms often]

 

[create tension between buyers and suppliers."]

 

[The text changes to: "Buyers want payment]

 

[flexibility, suppliers need timing]

 

[certainty." The circles separate.]

 

[APPLAUSE]

 

A: [MUSIC] [LAUGHTER]

 

[Two golden coins stand on a wooden and golden]

 

[surface next to a reflective glass panel.]

 

[NOISE] [MUSIC]

 

[LAUGHTER]

 

[Two wooden rails colides into one and one]

 

[golde goin rolls on it.]

 

[MUSIC]

 

[A golden coin rolls along a track, leaving a]

 

[light trail behind. Text appears: "but both]

 

[need a better way to align";]

 

[A blond woman looks both sides. Text reads:]

 

["Introducing Supply Chain Financing by J.P.]

 

[Morgan".]

 

[A split screen shows a golden coin rolling on]

 

[a wooden surface on the left; on the right,]

 

[text reads: "A global solution with powerful]

 

[integrations that help automate workflows".]

 

[Three golden coins roll across 3 rails,]

 

[leaving glowing trails.]

 

[Text reads: "Buyers can extend payment]

 

[terms".]

 

[A digital interface shows "J.P. Morgan Supply]

 

[Chain Financing" and two panels: "Cashflow"]

 

[with a rising yellow graph, and "Suppliers By]

 

[Location" with a world map highlighting]

 

[countries; golden coins float around it.]

 

[Several golden coins move along different]

 

[paths leaving light trails behind. Text]

 

[appears: "while suppliers gain confidence]

 

[with dedicated support".]

 

[Split screen, text on the right that reads:]

 

["to secure early payments". The]

 

[digital interface slides in from the left,]

 

[showing "J.P. Morgan Supply Chain Financing"]

 

[and data.]

 

[NOISE]

 

[The same woman that before and a man sit at a]

 

[table, looking at a laptop.]

 

[Text reads: "Help unlock working capital with]

 

[greater control".]

 

[Golden coins roll across the surface, leaving]

 

[glowing trails.]

 

[Text appears: "so you can invest in growth]

 

[while supporting supplier liquidity".]

 

[A digital interface with J.P. Morgan Supply]

 

[Chain Financing, charts and maps is]

 

[surrounded by golden golden coins.]

 

[Text reads: "Supply Chain Financing helps]

 

[improve working capital and strengthen]

 

[supplier relationships".]

 

[Two golden coins roll side-by-side, leaving]

 

[glowing trails. Text appears: "Turning your]

 

[payables".]

 

[The golden coins keep rolling and multiply.]

 

[Text appears: "into a tool for strategic]

 

[growth".]

 

[Text appears within concentric white]

 

[circles: "Supply Chain Financing by J.P.]

 

[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.

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.

LEARN MORE

Hear from our clients

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.

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© 2026 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. Non-deposit products are not FDIC insured. The statements herein are confidential and proprietary and not intended to be legally binding. Not all products and services are available in all geographical areas. Visit jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content.