6 Ways to Increase Working Capital

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data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Pakistan","ctaUrl":"https://www.jpmorgan.com/PK/en/about-us","ctaTitle":"Asia Pacific","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/PK/en/about-us'>Pakistan</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Philippines","ctaUrl":"https://www.jpmorgan.com/PH/en/about-us","ctaTitle":"Asia Pacific","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/PH/en/about-us'>Philippines</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Singapore","ctaUrl":"https://www.jpmorgan.com/SG/en/about-us","ctaTitle":"Asia Pacific","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/SG/en/about-us'>Singapore</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Sri Lanka","ctaUrl":"https://www.jpmorgan.com/LK/en/about-us","ctaTitle":"Asia Pacific","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/LK/en/about-us'>Sri Lanka</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Taiwan, China","ctaUrl":"https://www.jpmorgan.com/TW/en/about-us","ctaTitle":"Asia Pacific","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/TW/en/about-us'>Taiwan, China</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Thailand","ctaUrl":"https://www.jpmorgan.com/TH/en/about-us","ctaTitle":"Asia Pacific","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/TH/en/about-us'>Thailand</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Vietnam","ctaUrl":"https://www.jpmorgan.com/VN/en/about-us","ctaTitle":"Asia Pacific","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/VN/en/about-us'>Vietnam</a> </li> </ul> </li> </ul> </section> <section class="primary-navigation-countries-container"> <button aria-label="Back to region selection menu" class="back-to-regions-btn" data-icon="&#xf060"> Back to all regions </button> <button aria-label="Click to close country selector modal" class="modal-exit-button" data-icon="&#xf00d"></button> <p class="country-title"></p> <ul class="countries-container"> <li class="countries"> <ul> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Austria","ctaUrl":"https://www.jpmorgan.com/AT/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/AT/en/about-us'>Austria</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Belgium","ctaUrl":"https://www.jpmorgan.com/BE/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/BE/en/about-us'>Belgium</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Channel Islands","ctaUrl":"https://www.jpmorgan.com/JE/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/JE/en/about-us'>Channel Islands</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Denmark","ctaUrl":"https://www.jpmorgan.com/DK/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/DK/en/about-us'>Denmark</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Finland","ctaUrl":"https://www.jpmorgan.com/FI/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/FI/en/about-us'>Finland</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"France","ctaUrl":"https://www.jpmorgan.com/FR/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/FR/en/about-us'>France</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Germany","ctaUrl":"https://www.jpmorgan.com/DE/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/DE/en/about-us'>Germany</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Greece","ctaUrl":"https://www.jpmorgan.com/GR/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/GR/en/about-us'>Greece</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Ireland","ctaUrl":"https://www.jpmorgan.com/IE/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/IE/en/about-us'>Ireland</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Italy","ctaUrl":"https://www.jpmorgan.com/IT/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/IT/en/about-us'>Italy</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Luxembourg","ctaUrl":"https://www.jpmorgan.com/LU/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/LU/en/about-us'>Luxembourg</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Netherlands","ctaUrl":"https://www.jpmorgan.com/NL/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/NL/en/about-us'>Netherlands</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Norway","ctaUrl":"https://www.jpmorgan.com/NO/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/NO/en/about-us'>Norway</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Poland","ctaUrl":"https://www.jpmorgan.com/PL/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/PL/en/about-us'>Poland</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Portugal","ctaUrl":"https://www.jpmorgan.com/PT/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/PT/en/about-us'>Portugal</a> </li> <li class="country"> <p aria-label="Russia">Russia</p> <span>|</span> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Russia English","ctaUrl":"https://www.jpmorgan.ru/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.ru/en/about-us'>English</a> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Russia Русский","ctaUrl":"https://www.jpmorgan.ru/ru/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.ru/ru/about-us'>Русский</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Spain","ctaUrl":"https://www.jpmorgan.com/ES/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/ES/en/about-us'>Spain</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Sweden","ctaUrl":"https://www.jpmorgan.com/SE/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/SE/en/about-us'>Sweden</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Switzerland","ctaUrl":"https://www.jpmorgan.com/CH/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/CH/en/about-us'>Switzerland</a> </li> <li class="country"> <p aria-label="Turkey">Turkey</p> <span>|</span> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Turkey English","ctaUrl":"https://www.jpmorgan.com/TR/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/TR/en/about-us'>English</a> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Turkey Türkiye","ctaUrl":"https://www.jpmorgan.com/TR/tr/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/TR/tr/about-us'>Türkiye</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"United Kingdom","ctaUrl":"https://www.jpmorgan.com/GB/en/about-us","ctaTitle":"Europe","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/GB/en/about-us'>United Kingdom</a> </li> </ul> </li> </ul> </section> <section class="primary-navigation-countries-container"> <button aria-label="Back to region selection menu" class="back-to-regions-btn" data-icon="&#xf060"> Back to all regions </button> <button aria-label="Click to close country selector modal" class="modal-exit-button" data-icon="&#xf00d"></button> <p class="country-title"></p> <ul class="countries-container"> <li class="countries"> <ul> <li class="country"> <p aria-label="Argentina">Argentina</p> <span>|</span> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Argentina English","ctaUrl":"https://www.jpmorgan.com/AR/en/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/AR/en/about-us'>English</a> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Argentina Español","ctaUrl":"https://www.jpmorgan.com/AR/es/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/AR/es/about-us'>Español</a> </li> <li class="country"> <p aria-label="Brazil">Brazil</p> <span>|</span> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Brazil English","ctaUrl":"https://www.jpmorgan.com.br/en/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com.br/en/about-us'>English</a> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Brazil Português","ctaUrl":"https://www.jpmorgan.com.br/pt/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com.br/pt/about-us'> Português</a> </li> <li class="country"> <p aria-label="Chile">Chile</p> <span>|</span> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Chile English","ctaUrl":"https://www.jpmorgan.com/CL/en/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/CL/en/about-us'>English</a> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Chile Español","ctaUrl":"https://www.jpmorgan.com/CL/es/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/CL/es/about-us'> Español</a> </li> <li class="country"> <p aria-label="Colombia">Colombia</p> <span>|</span> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Colombia English","ctaUrl":"https://www.jpmorgan.com/CO/en/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/CO/en/about-us'>English</a> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Colombia Español","ctaUrl":"https://www.jpmorgan.com/CO/es/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/CO/es/about-us'>Español</a> </li> <li class="country"> <p aria-label="Mexico">Mexico</p> <span>|</span> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Mexico English","ctaUrl":"https://www.jpmorgan.com.mx/en/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com.mx/en/about-us'>English</a> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Mexico Español","ctaUrl":"https://www.jpmorgan.com.mx/es/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com.mx/es/about-us'>Español</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Panama","ctaUrl":"https://www.jpmorgan.com/PA/en/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/PA/en/about-us'>Panama</a> </li> <li class="country"> <p aria-label="Peru">Peru</p> <span>|</span> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Peru English","ctaUrl":"https://www.jpmorgan.com/PE/en/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/PE/en/about-us'>English</a> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Peru Español","ctaUrl":"https://www.jpmorgan.com/PE/es/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/PE/es/about-us'>Español</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Venezuela","ctaUrl":"https://www.jpmorgan.com/VE/en/about-us","ctaTitle":"Latin America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/VE/en/about-us'>Venezuela</a> </li> </ul> </li> </ul> </section> <section class="primary-navigation-countries-container"> <button aria-label="Back to region selection menu" class="back-to-regions-btn" data-icon="&#xf060"> Back to all regions </button> <button aria-label="Click to close country selector modal" class="modal-exit-button" data-icon="&#xf00d"></button> <p class="country-title"></p> <ul class="countries-container"> <li class="countries"> <ul> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Bahrain","ctaUrl":"https://www.jpmorgan.com/BH/en/about-us","ctaTitle":"Middle East & Africa","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/BH/en/about-us'>Bahrain</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Egypt","ctaUrl":"https://www.jpmorgan.com/EG/en/about-us","ctaTitle":"Middle East & Africa","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/EG/en/about-us'>Egypt</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Israel","ctaUrl":"https://www.jpmorgan.com/IL/en/about-us","ctaTitle":"Middle East & Africa","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/IL/en/about-us'>Israel</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Lebanon","ctaUrl":"https://www.jpmorgan.com/LB/en/about-us","ctaTitle":"Middle East & Africa","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/LB/en/about-us'>Lebanon</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Nigeria","ctaUrl":"https://www.jpmorgan.com/NG/en/about-us","ctaTitle":"Middle East & Africa","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/NG/en/about-us'>Nigeria</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Qatar","ctaUrl":"https://www.jpmorgan.com/QA/en/about-us","ctaTitle":"Middle East & Africa","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/QA/en/about-us'>Qatar</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Saudi Arabia","ctaUrl":"https://www.jpmorgan.com/SA/en/about-us","ctaTitle":"Middle East & Africa","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/SA/en/about-us'>Saudi Arabia</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"South Africa","ctaUrl":"https://www.jpmorgan.com/ZA/en/about-us","ctaTitle":"Middle East & Africa","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/ZA/en/about-us'>South Africa</a> </li> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"United Arab Emirates","ctaUrl":"https://www.jpmorgan.com/AE/en/about-us","ctaTitle":"Middle East & Africa","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/AE/en/about-us'>United Arab Emirates</a> </li> </ul> </li> </ul> </section> <section class="primary-navigation-countries-container"> <button aria-label="Back to region selection menu" class="back-to-regions-btn" data-icon="&#xf060"> Back to all regions </button> <button aria-label="Click to close country selector modal" class="modal-exit-button" data-icon="&#xf00d"></button> <p class="country-title"></p> <ul class="countries-container"> <li class="countries"> <ul> <li class="country"> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"United States","ctaUrl":"https://www.jpmorgan.com/about-us","ctaTitle":"North America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/about-us'>United States</a> </li> <li class="country"> <p aria-label="Canada">Canada</p> <span>|</span> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Canada English","ctaUrl":"https://www.jpmorgan.com/CA/en/about-us","ctaTitle":"North America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/CA/en/about-us'>English</a> <a data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Canada French","ctaUrl":"https://www.jpmorgan.com/CA/fr/about-us","ctaTitle":"North America","ctaComponentName":"Country Selector"}}" data-cmp-clickable href='https://www.jpmorgan.com/CA/fr/about-us'>French</a> </li> </ul> </li> </ul> </section> </div> </div> </div> </div></div> </div> </nav> <form action="/search" class="search-form "> <label class="search-input-label" data-icon="&#xf002"> <input type="search" class="search-input" name="q" placeholder="Search J.P. 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We're here to help.<br /> </p> </div> </div> <ul class="content-links-container-solutions"> <li class="content-links"> <a class="content-link" href="/commercial-banking/startups" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Innovation Economy","ctaUrl":"/commercial-banking/startups","ctaTitle":"Commercial Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Innovation Economy</a> <div class="description">Fueling the success of early-stage startups, venture-backed and high-growth companies.</div> </li> <li class="content-links"> <a class="content-link" href="/commercial-banking/middle-market-banking" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Midsize Businesses","ctaUrl":"/commercial-banking/middle-market-banking","ctaTitle":"Commercial Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Midsize Businesses</a> <div class="description">Keep your company growing with custom banking solutions for middle market businesses and specialized industries.</div> </li> <li class="content-links"> <a class="content-link" href="/commercial-banking/corporate-institutional-banking" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Large Corporations","ctaUrl":"/commercial-banking/corporate-institutional-banking","ctaTitle":"Commercial Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Large Corporations</a> <div class="description">Innovative banking solutions tailored to corporations and specialized industries.</div> </li> <li class="content-links"> <a class="content-link" href="/commercial-real-estate" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commercial Real Estate","ctaUrl":"/commercial-real-estate","ctaTitle":"Commercial Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Commercial Real Estate</a> <div class="description">Capitalize on opportunities and prepare for challenges throughout the real estate cycle.</div> </li> <li class="content-links"> <a class="content-link" href="/commercial-banking/impact" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Community Impact Banking","ctaUrl":"/commercial-banking/impact","ctaTitle":"Commercial Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Community Impact Banking</a> <div class="description">When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.</div> </li> <li class="content-links"> <a class="content-link" href="/international-banking" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"International Banking","ctaUrl":"/international-banking","ctaTitle":"Commercial Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>International Banking</a> <div class="description">Power your business' global growth and operations at every stage.</div> </li> </ul>  <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="/industries-we-serve" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Industries","ctaUrl":"/industries-we-serve","ctaTitle":"Commercial Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Industries</a> </li> 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class="grid-sub-component-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">Credit and Financing</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <a class="title" href="/credit-and-financing" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Credit and Financing","ctaUrl":"/credit-and-financing","ctaTitle":"","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Credit and Financing</a> <div class="description"><p>Prepare for future growth with customized loan services, succession planning and capital for business equipment.</p> </div> </div> <ul class="content-links-container-solutions"> <li class="content-links"> <a class="content-link" href="/credit-and-financing/asset-based-lending" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Asset Based Lending","ctaUrl":"/credit-and-financing/asset-based-lending","ctaTitle":"Credit and Financing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Asset Based Lending</a> <div class="description"> Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.</div> </li> <li class="content-links"> <a class="content-link" href="/credit-and-financing/equipment-financing" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Equipment Financing","ctaUrl":"/credit-and-financing/equipment-financing","ctaTitle":"Credit and Financing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Equipment Financing</a> <div class="description">Maximize working capital with flexible equipment and technology financing.</div> </li> <li class="content-links"> <a class="content-link" href="/payments/solutions/trade-and-working-capital" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Trade & Working Capital","ctaUrl":"/payments/solutions/trade-and-working-capital","ctaTitle":"Credit and Financing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Trade & Working Capital</a> <div class="description">Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.</div> </li> <li class="content-links"> <a class="content-link" href="/credit-and-financing/syndicated-finance" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Syndicated Financing","ctaUrl":"/credit-and-financing/syndicated-finance","ctaTitle":"Credit and Financing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Syndicated Financing</a> <div class="description">Leverage customized loan syndication services from a dedicated resource.</div> </li> <li class="content-links"> <a class="content-link" href="/commercial-real-estate" 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data-cmp-clickable>Client Stories</a> </li> </ul> </div> </section> </section> </div> <div class="expanded-grid-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-grid-sub-component expanded-nav-container "> <div class="grid-sub-component-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="grid-sub-component-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">Institutional Investing</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <a class="title" href="/institutional-investing" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Institutional Investing","ctaUrl":"/institutional-investing","ctaTitle":"","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Institutional Investing</a> <div class="description"><p>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.</p> </div> </div> <ul class="content-links-container-solutions"> <li class="content-links"> <a class="content-link" href="https://am.jpmorgan.com/us/en/asset-management/institutional/" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Institutional Investors","ctaUrl":"https://am.jpmorgan.com/us/en/asset-management/institutional/","ctaTitle":"Institutional Investing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Institutional Investors</a> <div class="description">Putting your long-tenured investment teams on the line to earn the trust of institutional investors. </div> </li> <li class="content-links"> <a class="content-link" href="/markets" 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Morgan Markets Do. More.","ctaUrl":"/markets","ctaTitle":"Institutional Investing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>J.P. Morgan Markets Do. More.</a> <div class="description">Direct access to market leading liquidity harnessed through world-class research, tools, data and analytics.</div> </li> <li class="content-links"> <a class="content-link" href="/prime-services" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Prime Services","ctaUrl":"/prime-services","ctaTitle":"Institutional Investing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Prime Services</a> <div class="description">Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.</div> </li> <li class="content-links"> <a class="content-link" href="/insights/research" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Global Research","ctaUrl":"/insights/research","ctaTitle":"Institutional Investing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Global Research</a> <div class="description">Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice. </div> </li> <li class="content-links"> <a class="content-link" href="/securities-services" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Securities Services","ctaUrl":"/securities-services","ctaTitle":"Institutional Investing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Securities Services</a> <div class="description">Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.</div> </li> </ul>  <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="https://fusion.jpmorgan.com/" target="_blank" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Fusion","ctaUrl":"https://fusion.jpmorgan.com/","ctaTitle":"Institutional Investing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Fusion</a> </li> <li class="key-link"> <a href="https://am.jpmorgan.com/us/en/asset-management/adv/" target="_blank" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Financial Professionals","ctaUrl":"https://am.jpmorgan.com/us/en/asset-management/adv/","ctaTitle":"Institutional Investing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Financial Professionals</a> </li> <li class="key-link"> <a href="https://am.jpmorgan.com/us/en/asset-management/liq/" target="_blank" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Liquidity Investors","ctaUrl":"https://am.jpmorgan.com/us/en/asset-management/liq/","ctaTitle":"Institutional Investing","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Liquidity Investors</a> </li> </ul> </div> </section> </section> </div> <div class="expanded-grid-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-grid-sub-component expanded-nav-container "> <div class="grid-sub-component-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="grid-sub-component-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">Investment Banking</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <a class="title" href="/investment-banking" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Investment Banking","ctaUrl":"/investment-banking","ctaTitle":"","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Investment Banking</a> <div class="description"><p>Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.</p> </div> </div> <ul class="content-links-container-solutions"> <li class="content-links"> <a class="content-link" href="/investment-banking/center-for-carbon-transition" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Center for Carbon Transition","ctaUrl":"/investment-banking/center-for-carbon-transition","ctaTitle":"Investment Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Center for Carbon Transition</a> <div class="description">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.</div> </li> <li class="content-links"> <a class="content-link" href="/investment-banking/corporate-finance-advisory" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Corporate Finance Advisory","ctaUrl":"/investment-banking/corporate-finance-advisory","ctaTitle":"Investment Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Corporate Finance Advisory</a> <div class="description">Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.</div> </li> <li class="content-links"> <a class="content-link" href="/investment-banking/development-finance-institution" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Development Finance Institution","ctaUrl":"/investment-banking/development-finance-institution","ctaTitle":"Investment Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Development Finance Institution</a> <div class="description">Financing opportunities with anticipated development impact in emerging economies.</div> </li> <li class="content-links"> <a class="content-link" href="/investment-banking/sustainable-solutions" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Sustainable Solutions","ctaUrl":"/investment-banking/sustainable-solutions","ctaTitle":"Investment Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Sustainable Solutions</a> <div class="description">Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.</div> </li> <li class="content-links"> <a class="content-link" href="/investment-banking/mergers-and-acquisitions" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Mergers and Acquisitions","ctaUrl":"/investment-banking/mergers-and-acquisitions","ctaTitle":"Investment Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Mergers and Acquisitions</a> <div class="description">Bespoke M&A solutions on a global scale.</div> </li> <li class="content-links"> <a class="content-link" href="/investment-banking/capital-markets" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Capital Markets","ctaUrl":"/investment-banking/capital-markets","ctaTitle":"Investment Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Capital Markets</a> <div class="description">Holistic coverage across capital markets.</div> </li> </ul>  <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="https://capitalconnect.jpmorgan.com/" target="_blank" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Capital Connect","ctaUrl":"https://capitalconnect.jpmorgan.com/","ctaTitle":"Investment Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Capital Connect</a> </li> <li class="key-link"> <a href="/investment-banking/in-context" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"In Context Newsletter from J.P. Morgan","ctaUrl":"/investment-banking/in-context","ctaTitle":"Investment Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>In Context Newsletter from J.P. Morgan</a> </li> <li class="key-link"> <a href="/investment-banking/director-advisory-services" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Director Advisory Services","ctaUrl":"/investment-banking/director-advisory-services","ctaTitle":"Investment Banking","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Director Advisory Services</a> </li> </ul> </div> </section> </section> </div> <div class="expanded-column-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-column-links-container expanded-nav-container "> <div class="column-links-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="column-links-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">Payments</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <a class="title" href="/payments/solutions" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Payments","ctaUrl":"/payments/solutions","ctaTitle":"","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Payments</a> <div class="description"><p>Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.</p> </div> </div> <div class="column-links-container"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group section-header-space"> <h3 class="link-group-header"> <p> Accept Payments </p> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Access®","ctaUrl":"/payments/solutions/access","ctaTitle":"Accept Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/access" target="_self" aria-label="Link to Access page"> Access® </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commerce","ctaUrl":"/payments/solutions/commerce","ctaTitle":"Accept Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/commerce" target="_self" aria-label="Link to commerce solutions page"> Commerce </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Cross-Currency Solutions","ctaUrl":"/payments/solutions/treasury/cross-currency-solutions","ctaTitle":"Accept Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/treasury/cross-currency-solutions" target="_self" aria-label="Link to cross currency solution page"> Cross-Currency Solutions </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Digital Bill Payment","ctaUrl":"/payments/solutions/digital-bill-payment","ctaTitle":"Accept Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/digital-bill-payment" target="_self" aria-label="Link to digital bill pay page"> Digital Bill Payment </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Integrated Receivables","ctaUrl":"/payments/solutions/treasury/integrated-receivables","ctaTitle":"Accept Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/treasury/integrated-receivables" target="_self" aria-label="Link to integrated receivables page"> Integrated Receivables </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Payment Gateway","ctaUrl":"/payments/solutions/payment-gateway","ctaTitle":"Accept Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/payment-gateway" target="_self" aria-label="Link to payment gateway page"> Payment Gateway </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Remote Capture Resource Center","ctaUrl":"/payments/solutions/remote-capture-resource-center","ctaTitle":"Accept Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/remote-capture-resource-center" target="_self" aria-label="Link to remote capture resource center page"> Remote Capture Resource Center </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Wallet™","ctaUrl":"/payments/solutions/jpmorgan-wallet","ctaTitle":"Accept Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/jpmorgan-wallet" target="_self" aria-label="Link to Wallet page"> Wallet™ </a> </div> </div> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> <p> Explore Blockchain </p> </h3> <a class="primary-link chaseanalytics-track-link" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Onyx","ctaUrl":"https://www.jpmorgan.com/onyx/index","ctaTitle":"Explore Blockchain","ctaComponentName":"Link Set"}}" data-cmp-clickable href="https://www.jpmorgan.com/onyx/index" target="_blank" aria-label="Link to Onyx website"> Onyx </a> </div> </div> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> <p> Client Service </p> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Global Client Service","ctaUrl":"/payments/solutions/global-client-service","ctaTitle":"Client Service","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/global-client-service" target="_self" aria-label="Link to Global client service page"> Global Client Service </a> </div> </div> </div> </div> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> <p> Process Payments </p> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commerce","ctaUrl":"/payments/solutions/commerce","ctaTitle":"Process Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/commerce" target="_self" aria-label="Link to Commerce solutions page"> Commerce </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Payment Facilitation","ctaUrl":"/payments/solutions/payment-facilitation","ctaTitle":"Process Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/payment-facilitation" target="_self" aria-label="Link to Payment facilitation page"> Payment Facilitation </a> </div> </div> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> <p> Manage Funds </p> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Access®","ctaUrl":"/payments/solutions/access","ctaTitle":"Manage Funds","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/access" target="_self" aria-label="Link to Access page"> Access® </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commercial Cards","ctaUrl":"/payments/solutions/commercial-cards","ctaTitle":"Manage Funds","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/commercial-cards" target="_self" aria-label="Link to Commercial card"> Commercial Cards </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Chase Connect","ctaUrl":"/commercial-banking/chase-connect","ctaTitle":"Manage Funds","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/commercial-banking/chase-connect" target="_self" aria-label="link to Chase connect page"> Chase Connect </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Escrow Services","ctaUrl":"/payments/solutions/escrow-services","ctaTitle":"Manage Funds","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/escrow-services" target="_self" aria-label="Link to Escrow services page"> Escrow Services </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Insights","ctaUrl":"/payments/solutions/analytics-and-insights","ctaTitle":"Manage Funds","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/analytics-and-insights" target="_self" aria-label="link to Insights"> Insights </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Liquidity and Account Solutions","ctaUrl":"/payments/solutions/treasury/liquidity-and-account-solutions","ctaTitle":"Manage Funds","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/treasury/liquidity-and-account-solutions" target="_self" aria-label="Link to Liquidity and account solutions page"> Liquidity and Account Solutions </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Trade and Working Capital","ctaUrl":"/payments/solutions/trade-and-working-capital","ctaTitle":"Manage Funds","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/trade-and-working-capital" target="_self" aria-label="Link to trade and working capital trade page"> Trade and Working Capital </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Virtual Account Management","ctaUrl":"/payments/solutions/virtual-account-management-old","ctaTitle":"Manage Funds","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/virtual-account-management-old" target="_self" aria-label="Link to Virtual card page"> Virtual Account Management </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Wallet™","ctaUrl":"/payments/solutions/jpmorgan-wallet","ctaTitle":"Manage Funds","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/jpmorgan-wallet" target="_self" aria-label="Link to Wallet page"> Wallet™ </a> </div> </div> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> <p> Safeguard Information </p> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Trust and Safety","ctaUrl":"/payments/solutions/trust-and-safety","ctaTitle":"Safeguard Information","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/trust-and-safety" target="_self" aria-label="link to trust and safety solutions page"> Trust and Safety </a> </div> </div> </div> </div> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> <p> Banking-as-a-service </p> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Concourse™","ctaUrl":"/payments/solutions/concourse","ctaTitle":"Banking-as-a-service","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/concourse" target="_self" aria-label="Link to Concourse™ page"> Concourse™ </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Liquidity and Account Solutions","ctaUrl":"/payments/solutions/treasury/liquidity-and-account-solutions","ctaTitle":"Banking-as-a-service","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/treasury/liquidity-and-account-solutions" target="_self" aria-label="Link to Liquidity and account solutions page"> Liquidity and Account Solutions </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Wallet™","ctaUrl":"/payments/solutions/jpmorgan-wallet","ctaTitle":"Banking-as-a-service","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/jpmorgan-wallet" target="_self" aria-label="Link to Wallet™ page"> Wallet™ </a> </div> </div> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> <p> Send Payments </p> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commerce ","ctaUrl":"/payments/solutions/commerce","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/commerce" target="_self" aria-label="link to commerce solutions page"> Commerce </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commercial Cards","ctaUrl":"/payments/solutions/commercial-cards","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/commercial-cards" target="_self" aria-label="Link to Commercial card page"> Commercial Cards </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Concourse™","ctaUrl":"/payments/solutions/concourse","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/concourse" target="_self" aria-label="Link to concourse page"> Concourse™ </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Cross-Currency Solutions","ctaUrl":"/payments/solutions/treasury/cross-currency-solutions","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/treasury/cross-currency-solutions" target="_self" aria-label="Link to cross currency solutions page"> Cross-Currency Solutions </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Developer Portal","ctaUrl":"https://developer.payments.jpmorgan.com/","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="https://developer.payments.jpmorgan.com/" target="_blank" aria-label="Link to Developer Portal"> Developer Portal </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"FedNow","ctaUrl":"/payments/solutions/fednow","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/fednow" target="_self" aria-label="Link to FedNow"> FedNow </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Integrated Payables","ctaUrl":"/payments/solutions/treasury/integrated-payables","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/treasury/integrated-payables" target="_self" aria-label="Link to Integrated payables page"> Integrated Payables </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Prepaid Card ","ctaUrl":"/payments/solutions/prepaid-card","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/prepaid-card" target="_self" aria-label="Link to Prepaid Card page"> Prepaid Card </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Trade and Working Capital","ctaUrl":"/payments/solutions/trade-and-working-capital","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/trade-and-working-capital" target="_self" aria-label="Link to trade and working capital page"> Trade and Working Capital </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Virtual Cards","ctaUrl":"/payments/solutions/commercial-cards/ts-virtual-card","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/commercial-cards/ts-virtual-card" target="_self" aria-label="Link to Virtual card page"> Virtual Cards </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Wallet™","ctaUrl":"/payments/solutions/jpmorgan-wallet","ctaTitle":"Send Payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/payments/solutions/jpmorgan-wallet" target="_self" aria-label="Link to Wallet page"> Wallet™ </a> </div> </div> </div> </div> </div> <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="https://partners.jpmorgan.com/" target="_blank" aria-label="link to our partner network" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Partner Network","ctaUrl":"https://partners.jpmorgan.com/","ctaTitle":"Payments","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Partner Network</a> </li> <li class="key-link"> <a href="/payments/solutions/newsletter" target="_self" aria-label="link to newsletter page" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Newsletter","ctaUrl":"/payments/solutions/newsletter","ctaTitle":"Payments","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Newsletter</a> </li> <li class="key-link"> <a href="/insights/payments" target="_self" aria-label="link to payments insights page" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Insights","ctaUrl":"/insights/payments","ctaTitle":"Payments","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Insights</a> </li> </ul> </div> </section> </section> </div> <div class="expanded-grid-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-grid-sub-component expanded-nav-container "> <div class="grid-sub-component-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="grid-sub-component-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">Private Bank</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <a class="title" href="https://privatebank.jpmorgan.com/nam/en/home" target="_blank" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Private Bank","ctaUrl":"https://privatebank.jpmorgan.com/nam/en/home","ctaTitle":"","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Private Bank</a> <div class="description"><p>A uniquely elevated private banking experience shaped around you.</p> </div> </div> <ul class="content-links-container-solutions"> <li class="content-links"> <a class="content-link" href="https://privatebank.jpmorgan.com/nam/en/services/banking" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Banking","ctaUrl":"https://privatebank.jpmorgan.com/nam/en/services/banking","ctaTitle":"Private Bank","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Banking</a> <div class="description">We have extensive personal and business banking resources that are fine-tuned to your specific needs.</div> </li> <li class="content-links"> <a class="content-link" href="https://privatebank.jpmorgan.com/nam/en/services/investing" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Investing","ctaUrl":"https://privatebank.jpmorgan.com/nam/en/services/investing","ctaTitle":"Private Bank","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Investing</a> <div class="description">We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.</div> </li> <li class="content-links"> <a class="content-link" href="https://privatebank.jpmorgan.com/nam/en/services/lending" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Lending","ctaUrl":"https://privatebank.jpmorgan.com/nam/en/services/lending","ctaTitle":"Private Bank","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Lending</a> <div class="description">We take a strategic approach to lending, working with you to craft the fight financing solutions matched to your goals.</div> </li> <li class="content-links"> <a class="content-link" href="https://privatebank.jpmorgan.com/nam/en/services/wealth-planning-and-advice" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Planning","ctaUrl":"https://privatebank.jpmorgan.com/nam/en/services/wealth-planning-and-advice","ctaTitle":"Private Bank","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Planning</a> <div class="description">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.</div> </li> </ul>  </section> </section> </div> <div class="expanded-grid-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-grid-sub-component expanded-nav-container "> <div class="grid-sub-component-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="grid-sub-component-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">Wealth Management</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <a class="title" href="/wealth-management" target="_blank" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Wealth Management","ctaUrl":"/wealth-management","ctaTitle":"","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Wealth Management</a> <div class="description"><p>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.<br /> <br /> <br /> </p> </div> </div> <ul class="content-links-container-solutions"> <li class="content-links"> <a class="content-link" href="https://account.chase.com/investing/sdifracshare" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Invest on your own","ctaUrl":"https://account.chase.com/investing/sdifracshare","ctaTitle":"Wealth Management","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Invest on your own</a> <div class="description">Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.</div> </li> <li class="content-links"> <a class="content-link" href="https://www.chase.com/personal/investments/advisor-services?jp_cdf=advisoryservices_jpmnav" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Work with our advisors","ctaUrl":"https://www.chase.com/personal/investments/advisor-services?jp_cdf=advisoryservices_jpmnav","ctaTitle":"Wealth Management","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Work with our advisors</a> <div class="description">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.</div> </li> <li class="content-links"> <a class="content-link" href="/wealth-management/wealth-partners" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Expertise for Substantial Wealth","ctaUrl":"/wealth-management/wealth-partners","ctaTitle":"Wealth Management","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Expertise for Substantial Wealth</a> <div class="description">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.</div> </li> </ul>  <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="https://www.chase.com/personal/investments/why-invest?jp_cdf=whyinvest_jpmnav" target="_blank" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Why Wealth Management?","ctaUrl":"https://www.chase.com/personal/investments/why-invest?jp_cdf=whyinvest_jpmnav","ctaTitle":"Wealth Management","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Why Wealth Management?</a> </li> <li class="key-link"> <a href="https://www.chase.com/personal/investments/investment-tools-resources?jp_cdf=calculators_jpmnav" target="_blank" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Retirement Calculators","ctaUrl":"https://www.chase.com/personal/investments/investment-tools-resources?jp_cdf=calculators_jpmnav","ctaTitle":"Wealth Management","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Retirement Calculators</a> </li> <li class="key-link"> <a href="https://www.jpmorgan.com/wealth-management/wealth-partners/insights" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Market Commentary","ctaUrl":"https://www.jpmorgan.com/wealth-management/wealth-partners/insights","ctaTitle":"Wealth Management","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Market Commentary</a> </li> </ul> </div> </section> </section> </div> <div class="expanded-grid-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-grid-sub-component expanded-nav-container "> <div class="grid-sub-component-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="grid-sub-component-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">For Companies and Institutions</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <p class="title">For Companies and Institutions</p> <div class="description"></div> </div>  <ul class="content-links-container-solutions"> <li class="content-links"> <a class="content-link" href="/commercial-banking" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commercial Banking","ctaUrl":"/commercial-banking","ctaTitle":"For Companies and Institutions","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Commercial Banking</a> <div class="description"><p>From startups to legacy brands, you're making your mark. We're here to help.</p> </div> </li> <li class="content-links"> <a class="content-link" href="/institutional-investing" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Institutional Investing","ctaUrl":"/institutional-investing","ctaTitle":"For Companies and Institutions","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Institutional Investing</a> <div class="description"><p>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.</p> </div> </li> <li class="content-links"> <a class="content-link" href="/payments" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Payments","ctaUrl":"/payments","ctaTitle":"For Companies and Institutions","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Payments</a> <div class="description"><p>Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.</p> </div> </li> <li class="content-links"> <a class="content-link" href="/credit-and-financing" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Credit & Financing","ctaUrl":"/credit-and-financing","ctaTitle":"For Companies and Institutions","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Credit & Financing</a> <div class="description"><p>Prepare for future growth with customized loan services, succession planning and capital for business equipment.</p> </div> </li> <li class="content-links"> <a class="content-link" href="/investment-banking" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Investment Banking","ctaUrl":"/investment-banking","ctaTitle":"For Companies and Institutions","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Investment Banking</a> <div class="description"><p>Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.</p> </div> </li> </ul> <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="/insights/research" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Research","ctaUrl":"/insights/research","ctaTitle":"For Companies and Institutions","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Research</a> </li> <li class="key-link"> <a href="/payments/solutions/access" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"J.P. Morgan Access®","ctaUrl":"/payments/solutions/access","ctaTitle":"For Companies and Institutions","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>J.P. Morgan Access®</a> </li> <li class="key-link"> <a href="/commercial-real-estate" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commercial Real Estate","ctaUrl":"/commercial-real-estate","ctaTitle":"For Companies and Institutions","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Commercial Real Estate</a> </li> </ul> </div> </section> </section> </div> <div class="expanded-grid-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-grid-sub-component expanded-nav-container "> <div class="grid-sub-component-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="grid-sub-component-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">For Individuals</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <p class="title">For Individuals</p> <div class="description"></div> </div>  <ul class="content-links-container-solutions"> <li class="content-links"> <a class="content-link" href="https://privatebank.jpmorgan.com/nam/en/home" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Private Bank","ctaUrl":"https://privatebank.jpmorgan.com/nam/en/home","ctaTitle":"For Individuals","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Private Bank</a> <div class="description"><p>A uniquely elevated private banking experience shaped around you.</p> </div> </li> <li class="content-links"> <a class="content-link" href="/wealth-management" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Wealth Management","ctaUrl":"/wealth-management","ctaTitle":"For Individuals","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Wealth Management</a> <div class="description"><p>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.</p> </div> </li> </ul> <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="https://www.chase.com/personal/investments/why-invest?jp_cdf=whyinvest_jpmnav" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Why Wealth Management","ctaUrl":"https://www.chase.com/personal/investments/why-invest?jp_cdf=whyinvest_jpmnav","ctaTitle":"For Individuals","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Why Wealth Management</a> </li> <li class="key-link"> <a href="https://www.chase.com/personal/investments/investment-tools-resources?jp_cdf=calculators_jpmnav" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Retirement Calculators","ctaUrl":"https://www.chase.com/personal/investments/investment-tools-resources?jp_cdf=calculators_jpmnav","ctaTitle":"For Individuals","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Retirement Calculators</a> </li> <li class="key-link"> <a href="/wealth-management/wealth-partners/insights" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Market Commentary","ctaUrl":"/wealth-management/wealth-partners/insights","ctaTitle":"For Individuals","ctaComponentName":"Expanded Grid Links"}}" data-cmp-clickable>Market Commentary</a> </li> </ul> </div> </section> </section> </div> </div> </div> </div> </div> </div> </div></div> </div> <div class="experience-fragment "><div class="xfpage page basicpage"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="expanded-container aem-GridColumn aem-GridColumn--default--12"> <div class=" cmp-expanded-container"> <nav class="primary-navigation-tab-nav "> <ul class="tab-nav-items"> <li class="tab-nav-item tab-nav-active"> <button>Who We Serve</button> </li> </ul> </nav> <div class="primary-navigation-sections"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="expanded-column-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-column-links-container expanded-nav-container "> <div class="column-links-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="column-links-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">Who We Serve</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <p class="title">Who We Serve</p> </div> <div class="column-links-container"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group section-header-space"> <h3 class="link-group-header"> <a class="header-link chaseanalytics-track-link" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"INDUSTRIES WE SERVE","ctaUrl":"/industries-we-serve","ctaTitle":"","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve" target="_self"> INDUSTRIES WE SERVE </a> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commercial Real Estate","ctaUrl":"/commercial-real-estate","ctaTitle":"INDUSTRIES WE SERVE","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/commercial-real-estate" target="_self" aria-label="Links to Commercial real estate page"> Commercial Real Estate </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Consumer and Retail","ctaUrl":"/industries-we-serve/consumer-and-retail","ctaTitle":"INDUSTRIES WE SERVE","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve/consumer-and-retail" target="_self" aria-label="Link to consumer and retail page"> Consumer and Retail </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Diversified Industries","ctaUrl":"/industries-we-serve/diversified-industries","ctaTitle":"INDUSTRIES WE SERVE","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve/diversified-industries" target="_self" aria-label="Link to diversified industries page"> Diversified Industries </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Energy, Power & Renewables","ctaUrl":"/industries-we-serve/energy","ctaTitle":"INDUSTRIES WE SERVE","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve/energy" target="_self" aria-label="Link to Energy, Power and Renewables"> Energy, Power & Renewables </a> </div> </div> </div> </div> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group section-header-space"> <h3 class="link-group-header"> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Financial","ctaUrl":"/industries-we-serve/financial","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve/financial" target="_self"> Financial </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Health Care","ctaUrl":"/industries-we-serve/healthcare","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve/healthcare" target="_self"> Health Care </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Media, Telecom and Entertainment","ctaUrl":"/industries-we-serve/media-telecom-entertainment","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve/media-telecom-entertainment" target="_self" aria-label="Link to Media, Telecom and Entertainment"> Media, Telecom and Entertainment </a> </div> </div> </div> </div> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group section-header-space"> <h3 class="link-group-header"> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Metals & Mining","ctaUrl":"/industries-we-serve/metals-mining","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve/metals-mining" target="_self" aria-label="Link to metals and mining"> Metals & Mining </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Public Sector","ctaUrl":"/industries-we-serve/public-sector","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve/public-sector" target="_self"> Public Sector </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Technology","ctaUrl":"/industries-we-serve/technology","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/industries-we-serve/technology" target="_self"> Technology </a> </div> </div> </div> </div> </div> <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="/insights" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Insights","ctaUrl":"/insights","ctaTitle":"Who We Serve","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Insights</a> </li> <li class="key-link"> <a href="/client-stories" target="_self" aria-label="Link to client stories page" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Client Stories","ctaUrl":"/client-stories","ctaTitle":"Who We Serve","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Client Stories</a> </li> </ul> </div> </section> </section> </div> </div> </div> </div> </div> </div> </div></div> </div> <div class="experience-fragment "><div class="xfpage page basicpage"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="expanded-container aem-GridColumn aem-GridColumn--default--12"> <div class=" cmp-expanded-container"> <nav class="primary-navigation-tab-nav "> <ul class="tab-nav-items"> <li class="tab-nav-item tab-nav-active"> <button>All Insights</button> </li> <li class="tab-nav-item "> <button>Insights by Topic</button> </li> <li class="tab-nav-item "> <button>Insights by Type</button> </li> </ul> </nav> <div class="primary-navigation-sections"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="expanded-column-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-column-links-container expanded-nav-container "> <div class="column-links-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="column-links-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">All Insights</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <a class="title" href="/insights" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"All Insights","ctaUrl":"/insights","ctaTitle":"","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>All Insights</a> <div class="description"><p>Explore a variety of insights.</p> </div> </div> <div class="column-links-container"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="/client-stories" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Client Stories","ctaUrl":"/client-stories","ctaTitle":"All Insights","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Client Stories</a> </li> <li class="key-link"> <a href="/insights/research" target="_self" aria-label="opens global research" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Global Research","ctaUrl":"/insights/research","ctaTitle":"All Insights","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Global Research</a> </li> <li class="key-link"> <a href="/newsletters" target="_self" aria-label="opens newsletters" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Newsletters","ctaUrl":"/newsletters","ctaTitle":"All Insights","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Newsletters</a> </li> </ul> </div> </section> </section> </div> <div class="expanded-column-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-column-links-container expanded-nav-container "> <div class="column-links-select-content"> <button class="select-button" data-icon="&#xf060">Back to menu</button> <p class="title title-for-mobile"></p> </div> <div class="column-links-custom-select-drop-down primary-nav-select-dropdown"> <button class="custom-select-button hide-list" data-icon="&#xf078">Insights by Topic</button> </div> <section class="primary-navigation-tab-nav-content"> <div class="content-title-container"> <p class="title">Insights by Topic</p> <div class="description"><p>Explore a variety of insights organized by different topics.<br /> </p> </div> </div> <div class="column-links-container"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Business Planning and Strategy","ctaUrl":"/insights/business/business-planning","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/business/business-planning" target="_self" aria-label="links to business planning page"> Business Planning and Strategy </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Commercial Real Estate","ctaUrl":"/insights/real-estate/commercial-real-estate","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/real-estate/commercial-real-estate" target="_self" aria-label="link to commercial real estate page"> Commercial Real Estate </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Community Development","ctaUrl":"/insights/real-estate/community-development-banking","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/real-estate/community-development-banking" target="_self" aria-label="link to community development page"> Community Development </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Cybersecurity and Fraud Protection","ctaUrl":"/insights/cybersecurity","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/cybersecurity" target="_self" aria-label="link to cybersecurity page"> Cybersecurity and Fraud Protection </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Diversity, Equity and Inclusion","ctaUrl":"/insights/corporate-responsibility/diversity-equity-and-inclusion","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/corporate-responsibility/diversity-equity-and-inclusion" target="_self" aria-label="links to diversity page"> Diversity, Equity and Inclusion </a> </div> </div> </div> </div> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"ESG","ctaUrl":"/insights/esg","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/esg" target="_self" aria-label="link to ESG page"> ESG </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Investment Banking","ctaUrl":"/insights/banking/investment-banking","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/banking/investment-banking" target="_self" aria-label="link to investment banking page"> Investment Banking </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Global Business","ctaUrl":"/insights/international/global-business","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/international/global-business" target="_self" aria-label="link to global business page"> Global Business </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Markets and Economy","ctaUrl":"/insights/markets","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/markets" target="_self" aria-label="link to markets page"> Markets and Economy </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Multifamily Real Estate","ctaUrl":"/insights/real-estate/multifamily","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/real-estate/multifamily" target="_self" aria-label="link to multifamily real estate page"> Multifamily Real Estate </a> </div> </div> </div> </div> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="link-set aem-GridColumn aem-GridColumn--default--12"> <div class="primary-link-group "> <h3 class="link-group-header"> </h3> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Payments","ctaUrl":"/insights/payments","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/payments" target="_self" aria-label="link to payments page"> Payments </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Treasury","ctaUrl":"/insights/treasury","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/treasury" target="_self" aria-label="link to treasury page"> Treasury </a> <a class="primary-link " data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Wealth Planning","ctaUrl":"/insights/wealth-planning","ctaComponentName":"Link Set"}}" data-cmp-clickable href="/insights/wealth-planning" target="_self" aria-label="link to wealth planning page"> Wealth Planning </a> </div> </div> </div> </div> </div> <div class="grid-sub-component-key-links"> <p class="title">Key Links</p> <ul class="key-link-container"> <li class="key-link"> <a href="/client-stories" target="_self" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Client Stories","ctaUrl":"/client-stories","ctaTitle":"Insights by Topic","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Client Stories</a> </li> <li class="key-link"> <a href="/insights/research" target="_self" aria-label="opens global research" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Global Research","ctaUrl":"/insights/research","ctaTitle":"Insights by Topic","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Global Research</a> </li> <li class="key-link"> <a href="/newsletters" target="_self" aria-label="opens Newsletters" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Newsletters","ctaUrl":"/newsletters","ctaTitle":"Insights by Topic","ctaComponentName":"Expanded Column Links"}}" data-cmp-clickable>Newsletters</a> </li> </ul> </div> </section> </section> </div> <div class="expanded-column-links aem-GridColumn aem-GridColumn--default--12"> <section class="primary-navigation-column-links-container expanded-nav-container "> <div class="column-links-select-content"> 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aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="article-side-panel aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <aside class="cmp-article-side-panel "> <article class="cmp-article-side-panel-container"> <section class="cmp-article-side-panel-content"> <p class="eyebrow"><a href="/insights/credit-and-financing" class="link">Credit and Financing</a></p> <h1 class="title">6 ways to improve working capital</h1> <p class="date">May 10, 2024</p> <p class="description"> Working capital—and optimization—is critical for midsize businesses. Find practical ways to improve working capital and fuel long-term success. </p> </section> <nav class="cmp-article-side-panel-chapter-nav"> <ul class="chapter-nav-container" id="chapter-nav-container">  </ul> <div class="select-wrapper"> <select class="mobile-chapter-nav" name="mobile-chapter-nav" id="mobile-ada-chapter-nav" aria-labelledby="Chapter Navigation">  </select> <button type="button" tabindex="-1" class="mobile-chapter-nav custom-select" id="custom-select" data-icon="&#xf078" aria-hidden="true"><p tabindex="-1" class="custom-select-link"> Overview</p></button> <ul class="mobile-chapter-nav custom-select-links" id="custom-select-links" aria-hidden="true">  </ul> </div> </nav> <section class="cmp-article-side-panel-social-links"> <ul class="social-links-container"> <li> <a href="https://www.linkedin.com/shareArticle?mini=true&url=https://www.jpmorgan.com/insights/credit-and-financing/working-capital/6-ways-to-increase-working-capital&title=&summary=" target="_blank" aria-label="Share article to LinkedIn" class="fab fa-linkedin" id="social-link-linkedin"></a></li> <li><a href="https://twitter.com/intent/tweet?url=https://www.jpmorgan.com/insights/credit-and-financing/working-capital/6-ways-to-increase-working-capital" target="_blank" aria-label="Share article to Twitter" class="fab fa-twitter" id="social-link-twitter"></a></li> <li> <button title="Copy page URL" aria-label="Click to copy page URL" id="copy-url-button" class="far fa-link" role="button"></button> </li> <li> <button title="Print article page" aria-label="Click to print article page" id="print-button" class="far fa-print" role="button"></button> </li> <li></li> </ul> </section> </article> </aside> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="article-page-header aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div class="article-page-header"> <div class="cmp-article-page-header "> <div class="cmp-article-page-header__image-container has-media"> <img loading="lazy" alt="Metal structure and tower" class="cmp-article-page-header_image" src="/content/dam/jpmorgan/images/cb/insights/credit-and-financing/cb-banner-6-ways-working-capital-1440x810-horizontal.jpg"/> </div> <div class="cmp-article-page-header__intro has-media"> <div class="cmp-article-page-header__author-container"> <div class="cmp-article-page-header__author-byline"> <p>By <span class="strong">Michelle Golembieski</span></p> <p class="author-byline__title">Executive Director, Corporate Treasury Consulting at J.P. Morgan </p> </div> </div> <div class="cmp-article-page-header__author-container comp-article-page-header__author-container--mobile"> <div class="cmp-article-page-header__author-byline"> <p>By <span class="strong">Michelle Golembieski</span> </p> </div> </div> <div class="cmp-article-page-header__read-time"> <p>5 min read</p> </div> </div> <div class="cmp-article-page-header__lower-container">    <div class="cmp-article-page-header__quick-links-carousel"> <div aria-label="Tag Links" role="article" aria-roledescription="slide" class="carousel tag-chips"> <h2>Browse by topic</h2> <ul> <li class="item tag-chip" data-slide="1/2"> <p><a href="/insights/credit-and-financing" aria-label="link, Credit and Financing, Card 1 of 2">Credit and Financing</a></p> </li> <li class="item tag-chip" data-slide="2/2"> <p><a href="/insights/credit-and-financing/working-capital" data-cmp-data-layer="{"event":"cmp:click","webInteraction":{"ctaType":"link","ctaText":"Working Capital","ctaUrl":"/insights/credit-and-financing/working-capital","ctaTitle":"","ctaComponentName":"Article Page Header"}}" data-cmp-clickable aria-label="link, Working Capital, Card 2 of 2">Working Capital</a></p> </li> </ul> <div class="controls"> <button aria-label="Carousel previous slide" class="prev carousel-button carousel-button-prev"> <div class="carousel-button-icon carousel-button-icon-prev"> <i class="fal fa-angle-left"></i> </div> </button> <div class="button-pagination"></div> <button aria-label="Carousel next slide" class="next carousel-button carousel-button-next"> <div class="carousel-button-icon carousel-button-icon-next"> <i class="fal fa-angle-right"></i> </div> </button> </div> </div> </div>  </div> </div> </div> </div> <div class="text aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div class="cmp-text "> <p>Working capital is the lifeblood of your business, fueling day-to-day operations and ensuring you can meet your financial obligations. By improving your working capital, you can:</p> <ul> <li><b>Improve your cash flow</b>, which is essential for paying suppliers, employees and other expenses on time. This not only helps you avoid costly penalties and maintain good relationships with stakeholders but also ensures that your business runs smoothly.</li> <li><b style="letter-spacing: 0.32px;">Increase cash on hand,</b><span style="letter-spacing: 0.32px;"> so you can take advantage of early pay and volume discounts or liquidity investment options to increase interest income. Over time, you may not need to reach out to your bank for as many loans, lowering your interest costs.</span></li> <li><b style="letter-spacing: 0.32px;">Better position your business to take advantage of growth opportunities</b><span style="letter-spacing: 0.32px;">, such as investing in new projects, expanding into new markets or upgrading operations and </span><a href="/insights/treasury/treasury-and-payments-advisory/how-treasury-can-optimize-working-capital" title="How to optimize working capital with treasury fundamentals">recovering faster from market disruptions</a><span style="letter-spacing: 0.32px;">. A strong working capital position can also make your business more attractive to investors and lenders, as it demonstrates your ability to manage your finances effectively.</span></li> </ul> </div> </div> <div class="text cmp-text--light cmp-text--pt aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div class="cmp-text "> <h2><span class="accented-text"><span class="title-large">Working capital formula</span></span><b></b></h2> <p><b>Current assets - current liabilities = working capital</b></p> <p>Working capital is the difference between your business’s current assets, including cash, inventory and accounts receivable, and liabilities, such as accounts payable and short-term debts.</p> <p>For example, if a company's balance sheet has $300,000 in current assets and $200,000 in current liabilities, the company's working capital is $100,000.</p> </div> </div> <div class="text cmp-text--pt aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div class="cmp-text "> <h2><span class="accented-text"><span class="title-large">Challenges to improving working capital</span></span></h2> <p>Midsize businesses often face challenges in optimizing working capital, including:</p> <ul> <li><b>Complex operations:</b> As businesses grow, operations become more intricate, making it harder to manage working capital efficiently.</li> <li><b style="letter-spacing: 0.32px;">Limited resources:</b><span style="letter-spacing: 0.32px;"> Midsize businesses may lack the resources and expertise to implement sophisticated working capital management strategies.</span></li> <li><b style="letter-spacing: 0.32px;">Dependence on suppliers and customers:</b><span style="letter-spacing: 0.32px;"> Limited bargaining power with suppliers and customers can hinder efforts to negotiate favorable terms and manage inventory effectively.</span></li> <li><b style="letter-spacing: 0.32px;">Cash flow volatility:</b><span style="letter-spacing: 0.32px;"> Fluctuations in sales, seasonality and economic conditions can lead to unpredictable cash flows, making it challenging to maintain optimal working capital levels.</span></li> <li><b style="letter-spacing: 0.32px;">Lack of technology and tools:</b><span style="letter-spacing: 0.32px;"> Midsize businesses may lack access to advanced technology and tools for cash flow forecasting, inventory management and other aspects of working capital management.</span></li> <li><b style="letter-spacing: 0.32px;">Risk aversion:</b><span style="letter-spacing: 0.32px;"> Some midsize businesses may be hesitant to change existing practices, even if it could lead to improved working capital management, due to a fear of risk. Assessing risk amid the changing economic and technology landscape can incapacitate treasuries due to the large amount of variables to review.</span></li> </ul> </div> </div> <div class="pull-quote cmp-pullquote__marble aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div class="cmp-pullquote-main lazy "> <div class="cmp-pullquote-wrapper regular " style="background-image: url();"> <div class="cmp-pullquote"> <div class="cmp-pullquote__quote"><p>“We see companies building complex technology ecosystems to gain working capital efficiencies because their existing systems can’t accomplish what they need. In building that technology stack, companies must balance making existing technology work through bolt-on technology modules and replacing their outdated systems with the newest technology.” </p> </div> <div class="cmp-pullquote__info-and-link"> <div class="cmp-pullquote__person--info"> <div class="cmp-pullquote__headshot"> <img loading="lazy" src="/content/dam/jpm/commercial-banking/solutions/treasture-services/headshot-solution-ctc-michelle-golembieski.jpg" alt="D. Michelle Golembieski"/> </div> <div class="cmp-pullquote__person--details"> <p class="cmp-pullquote__person--name">Michelle Golembieski</p> <p class="cmp-pullquote__person--title">Executive Director, Corporate Treasury Consulting at J.P. Morgan </p> </div> </div> </div> </div> </div> </div> </div> <div class="text cmp-text--pt aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div class="cmp-text "> <p>While the challenges can seem overwhelming, they're not insurmountable. A skilled banker or treasury expert can help you effectively navigate obstacles and better implement tactics for improving working capital.</p> <h2><span class="accented-text"><span class="title-large">6 practical tactics for improving working capital</span></span></h2> <ol> <li><b>Accelerate accounts receivable: </b>While it may be harder to alter customer behaviors, you can incentivize change by offering early payment discounts or shortening terms. You can also digitize invoices and collections to help you get paid faster. An automated collection process and digitized invoicing can incentivize customers to make payments directly through the portal.</li> <li><b>Tighten <span style="letter-spacing: 0.32px;">accounts payable</span>:</b><span style="letter-spacing: 0.32px;"> You can </span><a href="/insights/payments/trade-and-working-capital/working-capital-optimization-in-accounts-payables" title="How to optimize working capital in accounts payable">optimize working capital in accounts payable</a><span style="letter-spacing: 0.32px;"> in several ways, including negotiating favorable payment terms with suppliers, making payables processing more efficient by using electronic workflows, electronic payment methods and taking advantage of early payment discounts.</span></li> <li><b style="letter-spacing: 0.32px;">Reduce operating costs:</b><span style="letter-spacing: 0.32px;"> You can start by identifying areas where you can reduce costs without compromising quality. Optimizing processes, renegotiating contracts or outsourcing specific functions can help your organization save money and become more efficient while maintaining the integrity of your products and services. </span></li> <li><b style="letter-spacing: 0.32px;">Improve visibility and controls:</b><span style="letter-spacing: 0.32px;"> Having a line of sight into and understanding your liquidity position is critical. Ensuring you have the best view of your liquidity position reduces risk. To do so, you can develop accurate cash flow forecasts to plan for future cash needs and use </span><a href="/payments/solutions/trade-and-working-capital" title="Trade and Working Capital">inventory management tools</a><span style="letter-spacing: 0.32px;"> to track and forecast demand accurately.</span></li> <li><b style="letter-spacing: 0.32px;">Measure and manage working capital:</b><span style="letter-spacing: 0.32px;"> Keep your thumb on the pulse of your organization by understanding and monitoring key performance indicators. Managing working capital includes tracking payables and receivables turnover and the current ratio, quick ratio and cash conversion cycle. By staying on top of these metrics, you can easily identify if they deviate from industry norms or historical trends and can react quickly.</span></li> <li><b style="letter-spacing: 0.32px;">Consider financing options:</b><span style="letter-spacing: 0.32px;"> Effective working capital management can help you decrease your reliance on external capital and better predict when you’ll need it. From there you can consider exploring different investment and </span><a href="/credit-and-financing" title="Credit and Financing">financing options</a><span style="letter-spacing: 0.32px;">, such as lines of credit, term loans or invoice financing to bridge short-term cash-flow gaps. </span></li> </ol> <p><b>The bottom line:</b> Implementing working capital optimization strategies can help midsize businesses improve their overall financial performance. While it may seem daunting, small- to midsize businesses have the advantage of less complex cash needs and flatter organizations that enable quick decisions. Capitalizing on these advantages puts midsize businesses in a unique position to implement working capital strategies for the long-term.</p> <p><i><sub>JPMorgan Chase Bank, N.A. Member FDIC. 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inherit;font-size: inherit;width: 80%;max-width: 600px;padding-left: 2.0em;padding-right: 2.0em;margin: 0 auto;"> <input type="hidden" id="clientID" name="_clientID" value="" /> <input type="hidden" id="deExternalKey" name="_deExternalKey" value="" /> <input type="hidden" name="_action" value="add" /> <input type="hidden" name="_returnXML" value="0" /> <input type="hidden" id="successURL" name="_successURL" value="" /> <input type="hidden" id="errorURL" name="_errorURL" value="" /> <input type="hidden" id="requirementCheck" name="requirementCheck"> <input type="hidden" id="source_q" name="source_q"> <input type="hidden" id="jpcmp_q" name="jpcmp_q"> <input type="hidden" id="gclid_q" name="gclid_q"> <input type="hidden" id="UrlSource" name="UrlSource"> <input type="hidden" id="Adobe_Analytics_ID__c" name="Adobe_Analytics_ID__c"> <input type="hidden" id="uniqueId" name="uniqueId">  <div justify-content: flext-start; style="text-align: left; width: 100%; justify-content: left;"> <div> <h2><span class="title-large">Contact us</span></h2> </div> </div>  <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="FirstName" id="lblFirstName" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> First name * </label> </div>   <div class="row" style="display: block; clear: both;"> <input id="FirstName" name="FirstName" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" placeholder="" maxlength="50" aria-labelledby="FirstName" type="text" aria-required="true" required oninvalid="IsValidData(this);" oninput="IsValidData(this);" onchange="removeSpace(this.value,FirstName);" onfocus="onFormStart();"> </div>  </div> <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="LastName" id="lblLastName" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Last name * </label> </div>   <div class="row" style="display: block; clear: both;"> <input id="LastName" name="LastName" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" placeholder="" maxlength="50" aria-labelledby="LastName" type="text" aria-required="true" required oninvalid="IsValidData(this);" oninput="IsValidData(this);" onchange="removeSpace(this.value,LastName);" onfocus="onFormStart();"> </div>  </div> <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="Title" id="lblTitle" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Title * </label> </div>   <div class="row" style="display: block; clear: both;"> <select id="Title" name="JobTitle" aria-labelledby="lblTitle" aria-required="true" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" required oninvalid="IsValidData(this);" oninput="IsValidData(this);" onchange="ShowOther(this);" onfocus="onFormStart();"> <option value="">Select...</option> <option value="Accountant">Accountant</option> <option value="Analyst">Analyst</option> <option value="Assistant Controller">Assistant Controller</option> <option value="Assistant Treasurer">Assistant Treasurer</option> <option value="Associate">Associate</option> <option value="Attorney">Attorney</option> <option value="Board Member">Board Member</option> <option value="Chairman">Chairman</option> <option value="Chief Accounting Officer">Chief Accounting Officer</option> <option value="Chief Administrative Officer">Chief Administrative Officer</option> <option value="Chief Executive Officer">Chief Executive Officer</option> <option value="Chief Financial Officer">Chief Financial Officer</option> <option value="Chief Information Officer">Chief Information Officer</option> <option value="Chief Innovation Officer">Chief Innovation Officer</option> <option value="Chief Investment Officer">Chief Investment Officer</option> <option value="Chief Operations Officer">Chief Operations Officer</option> <option value="Chief Revenue Officer">Chief Revenue Officer</option> <option value="Chief Technology Officer">Chief Technology Officer</option> <option value="Comptroller">Comptroller</option> <option value="Controller">Controller</option> <option value="C-Suite (Other/ Unlisted)">C-Suite (Other/ Unlisted)</option> <option value="Director">Director</option> <option value="Executive Director">Executive Director</option> <option value="Financial Reporting Representative">Financial Reporting Representative</option> <option value="Founder">Founder</option> <option value="Head of Account Receivable">Head of Account Receivable</option> <option value="Head of Accounts Payable">Head of Accounts Payable</option> <option value="Head of Human Resources">Head of Human Resources</option> <option value="Head of Mergers & Acquisitions">Head of Mergers & Acquisitions</option> <option value="Managing Partner">Managing Partner</option> <option value="Other">Other</option> <option value="Owner">Owner</option> <option value="Partner">Partner</option> <option value="President">President</option> <option value="Principal">Principal</option> <option value="Project Management">Project Management</option> <option value="SVP of Finance">SVP of Finance</option> <option value="Treasurer">Treasurer</option> <option value="Treasury Manager">Treasury Manager</option> <option value="Vice President">Vice President</option> <option value="VP of Finance">VP of Finance</option> </select> </div>  </div> <div id="otherDiv" class="fieldRow" style="display: none; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="Other" id="lblOther" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Other </label> </div>   <div class="row" style="display: block; clear: both;"> <input id="Other" name="OtherTitle" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" placeholder="" maxlength="100" aria-labelledby="lblOther" type="text"> </div>  </div> <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="Email" id="lblEmail" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Company email * </label> </div>   <div class="row" style="display: block; clear: both;"> <input id="Email" name="Email" type="email" pattern="[a-zA-Z0-9._\-]+@[a-zA-Z0-9.\-]+\.[a-zA-Z]{2,4}" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" title="jpmc@user.com" placeholder="" maxlength="50" aria-labelledby="lblEmail" required oninvalid="IsValidData(this);blockEmailDomain(this);" oninput="IsValidData(this);blockEmailDomain(this);" onfocus="onFormStart();"> </div>  </div> <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="Phone" id="lblPhone" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Phone number * </label> </div>   <div class="row" style="display: block; clear: both;"> <input id="phone" name="BusinessPhone" type="text" onkeypress="transform()" pattern="[0-9]{3}-[0-9]{3}-[0-9]{4}" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" placeholder="" maxlength="20" aria-labelledby="lblPhone" aria-required="true" required oninvalid="this.setCustomValidity('Must be a phone number. 503-555-1212');" oninput="IsValidData(this);" onfocus="onFormStart();"> </div>  </div> <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="Company" id="lblCompany" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Company * </label> </div>   <div class="row" style="display: block; clear: both;"> <input id="Company" name="CompanyName" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" placeholder="" maxlength="50" aria-labelledby="lblCompany" type="text" aria-required="true" required oninvalid="IsValidData(this);" oninput="IsValidData(this);" onchange="removeSpace(this.value,Company);" onfocus="onFormStart();"> </div>  </div> <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="Industry" id="lblIndustry" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Industry * </label> </div>   <div class="row" style="display: block; clear: both;"> <select id="Industry" name="Industry" aria-labelledby="lblIndustry" aria-required="true" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" required oninvalid="IsValidData(this);" oninput="IsValidData(this);" onfocus="onFormStart();"> <option value="">Select...</option> <option value="Aerospace, defense & government services">Aerospace, defense & government services</option> <option value="Agribusiness">Agribusiness</option> <option value="Apparel">Apparel</option> <option value="Beverage">Beverage</option> <option value="Commercial real estate">Commercial real estate</option> <option value="Energy">Energy</option> <option value="Financial">Financial</option> <option value="Franchise and restaurants">Franchise and restaurants</option> <option value="Government">Government</option> <option value="Healthcare">Healthcare</option> <option value="Heavy equipment distribution">Heavy equipment distribution</option> <option value="Higher education">Higher education</option> <option value="Life sciences">Life sciences</option> <option value="Media and entertainment">Media and entertainment</option> <option value="Nonprofit">Nonprofit</option> <option value="Public sector">Public sector</option> <option value="Technology">Technology</option> </select> </div>  </div> <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="Company Revenue" id="lblCompanyRevenue" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Company annual revenue * </label> </div>   <div class="row" style="display: block; clear: both;"> <select id="CompanyRevenue" name="AnnualRevenue" aria-labelledby="lblCompanyRevenue" aria-required="true" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" required oninvalid="IsValidData(this);" oninput="IsValidData(this);"onchange="ShowFields(this);" onfocus="onFormStart();"> <option value="">Select...</option> <option value="Pre-revenue">Pre-revenue</option> <option value="Up to $5 million">Up to $5 million</option> <option value="$5 million to $20 million">$5 million to $20 million </option> <option value="$20 million to $100 million">$20 million to $100 million </option> <option value="$100 million to $500 million">$100 million to $500 million </option> <option value="$500 million to $2 billion">$500 million to $2 billion</option> <option value="Over $2 billion">Over $2 billion</option> </select> </div>  </div>  <div id="pfDiv" style="display: none;">  <div class="fieldRow" style="display: block; clear: both; padding-bottom: 4em;">  <div class="row" style="display: block;"> <label for="Funding stage" id="lblFundingstage" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;">Funding stage *</label> </div>   <div class="row" style="display: block;"> <select id="Fundingstage" name="Fundingstage" aria-labelledby="lblFundingstage" aria-required="false" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;"> <option value="">Select...</option> <option value="Early stage (bootstrapped or pre-seed to seed) ">Early stage (bootstrapped or pre-seed to seed) </option> <option value="Growth stage (Series A to Series B)">Growth stage (Series A to Series B)</option> <option value="Mature stage (Series C and beyond)">Mature stage (Series C and beyond)</option> </select> </div>  </div> </div>  <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="Help" id="lblHelp" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> How can we help you? * </label> </div>   <div class="row" style="display: block; clear: both;"> <select id="Help" name="HelpDetail" aria-labelledby="lblHelp" aria-required="true" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" required oninvalid="IsValidData(this);" oninput="IsValidData(this);" onchange="ShowSalesVol(this);" onfocus="onFormStart();"> <option value="">Select...</option> <option value="Establish New Banking Relationship">Establish new banking relationship</option> <option value="Existing Client Looking For Support">Existing client looking for support</option> <option value="Merchant Services">Merchant services</option> <option value="Commercial Credit Card Products">Commercial credit card products</option> <option value="Treasury Services, Payments & Cash Management">Treasury services, payments & cash management</option> <option value="Trade Financing">Trade financing</option> <option value="Equipment Financing">Equipment financing</option> <option value="Term/Line of Credit Business Lending">Term/line of credit business lending</option> <option value="Real Estate">Real estate</option> <option value="Other">Other</option> </select> </div>  </div> <div id="salesvolDiv" class="fieldRow" style="display: none; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="SalesVolume" id="lblSalesVolume" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Total sales volume * </label> </div>   <div class="row" style="display: block; clear: both;"> <select id="SalesVolume" name="TotalSalesVolume" aria-labelledby="lblSalesVolume" aria-required="true" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" required oninvalid="IsValidData(this);" oninput="IsValidData(this);" onfocus="onFormStart();" > <option value="">Select...</option> <option value="< $20,000,000">Under $20 million</option> <option value="$20,000,000 - $99,999,999">$20 million to $100 million</option> <option value="$100,000,000 - $500,000,000">$100 million to $500 million</option> <option value="> $500,000,000">Over $500 million</option> </select> </div>  </div> <div class="fieldRow" style="display: block; clear: both; padding-bottom: 2.5em;">  <div class="row" style="display: block; clear: both;"> <label for="Location" id="lblLocation" style="text-align: right; float: left; font-size: .8em; line-height: 1.2em; padding-right: 1.0em; margin-bottom: .5em;"> Company country * </label> </div>   <div class="row" style="display: block; clear: both;"> <select id="Location" name="Companycountry" aria-labelledby="lblLocation" aria-required="true" style="float: left; width: 100%; font-size: .8em; line-height: 1.2em; border: 1px solid #ffffff; border-bottom: 1px solid #31373d;" required onchange="showHideStateAndCityFields(this)" oninvalid="IsValidData(this);" oninput="IsValidData(this);" onfocus="onFormStart();"> <option value="">Select...</option> <option value="United States">United States</option> <option value="Canada">Canada</option> <option value="Mexico">Mexico</option> <option value="Andorra">Andorra</option> <option value="United Arab Emirates">United Arab Emirates</option> <option value="Afghanistan">Afghanistan</option> <option value="Antigua and Barbuda">Antigua and Barbuda</option> <option value="Anguilla">Anguilla</option> <option value="Albania">Albania</option> <option value="Armenia">Armenia</option> <option value="Angola">Angola</option> <option value="Antarctica">Antarctica</option> <option value="Argentina">Argentina</option> <option value="Austria">Austria</option> <option value="Australia">Australia</option> <option value="Aruba">Aruba</option> <option value="Aland Islands">Aland Islands</option> <option value="Azerbaijan">Azerbaijan</option> <option value="Bosnia and Herzegovina">Bosnia and Herzegovina</option> <option value="Barbados">Barbados</option> <option value="Bangladesh">Bangladesh</option> <option value="Belgium">Belgium</option> <option value="Burkina Faso">Burkina Faso</option> <option value="Bulgaria">Bulgaria</option> <option value="Bahrain">Bahrain</option> <option value="Burundi">Burundi</option> <option value="Benin">Benin</option> <option value="Saint Barthélemy">Saint Barthélemy</option> <option value="Bermuda">Bermuda</option> <option value="Brunei Darussalam">Brunei Darussalam</option> <option value="Bolivia, Plurinational State of">Bolivia, Plurinational State of</option> <option value="Bonaire, Sint Eustatius and Saba">Bonaire, Sint Eustatius and Saba</option> <option value="Brazil">Brazil</option> <option value="Bahamas">Bahamas</option> <option value="Bhutan">Bhutan</option> <option value="Bouvet Island">Bouvet Island</option> <option value="Botswana">Botswana</option> <option value="Belarus">Belarus</option> <option value="Belize">Belize</option> <option value="Cocos (Keeling) Islands">Cocos (Keeling) Islands</option> <option value="Congo, the Democratic Republic of the">Congo, the Democratic Republic of the</option> <option value="Central African Republic">Central African Republic</option> <option value="Congo">Congo</option> <option value="Switzerland">Switzerland</option> <option value="Cote d’Ivoire">Cote d’Ivoire</option> <option value="Cook Islands">Cook Islands</option> <option value="Chile">Chile</option> <option value="Cameroon">Cameroon</option> <option value="China">China</option> <option value="Colombia">Colombia</option> <option value="Costa Rica">Costa Rica</option> <option value="Cuba">Cuba</option> <option value="Cape Verde">Cape Verde</option> <option value="Curaçao">Curaçao</option> <option value="Christmas Island">Christmas Island</option> <option value="Cyprus">Cyprus</option> <option value="Czech Republic">Czech Republic</option> <option value="Germany">Germany</option> <option value="Djibouti">Djibouti</option> <option value="Denmark">Denmark</option> <option value="Dominica">Dominica</option> <option value="Dominican Republic">Dominican Republic</option> <option value="Algeria">Algeria</option> <option value="Ecuador">Ecuador</option> <option value="Estonia">Estonia</option> <option value="Egypt">Egypt</option> <option value="Western Sahara">Western Sahara</option> <option value="Eritrea">Eritrea</option> <option value="Spain">Spain</option> <option value="Ethiopia">Ethiopia</option> <option value="Finland">Finland</option> <option value="Fiji">Fiji</option> <option value="Falkland Islands (Malvinas)">Falkland Islands (Malvinas)</option> <option value="Faroe Islands">Faroe Islands</option> <option value="France">France</option> <option value="Gabon">Gabon</option> <option value="United Kingdom">United Kingdom</option> <option value="Grenada">Grenada</option> <option value="Georgia">Georgia</option> <option value="French Guiana">French Guiana</option> <option value="Guernsey">Guernsey</option> <option value="Ghana">Ghana</option> <option value="Gibraltar">Gibraltar</option> <option value="Greenland">Greenland</option> <option value="Gambia">Gambia</option> <option value="Guinea">Guinea</option> <option value="Guadeloupe">Guadeloupe</option> <option value="Equatorial Guinea">Equatorial Guinea</option> <option value="Greece">Greece</option> <option value="South Georgia and the South Sandwich Islands">South Georgia and the South Sandwich Islands</option> <option value="Guatemala">Guatemala</option> <option value="Guinea-Bissau">Guinea-Bissau</option> <option value="Guyana">Guyana</option> <option value="Heard Island and McDonald Islands">Heard Island and McDonald Islands</option> <option value="Honduras">Honduras</option> <option value="Croatia">Croatia</option> <option value="Haiti">Haiti</option> <option value="Hungary">Hungary</option> <option value="Indonesia">Indonesia</option> <option value="Ireland">Ireland</option> <option value="Israel">Israel</option> <option value="Isle of Man">Isle of Man</option> <option value="India">India</option> <option value="British Indian Ocean Territory">British Indian Ocean Territory</option> <option value="Iraq">Iraq</option> <option value="Iran, Islamic Republic of">Iran, Islamic Republic of</option> <option value="Iceland">Iceland</option> <option value="Italy">Italy</option> <option value="Jersey">Jersey</option> <option value="Jamaica">Jamaica</option> <option value="Jordan">Jordan</option> <option value="Japan">Japan</option> <option value="Kenya">Kenya</option> <option value="Kyrgyzstan">Kyrgyzstan</option> <option value="Cambodia">Cambodia</option> <option value="Kiribati">Kiribati</option> <option value="Comoros">Comoros</option> <option value="Saint Kitts and Nevis">Saint Kitts and Nevis</option> <option value="Korea, Democratic People’s Republic of">Korea, Democratic People’s Republic of</option> <option value="Korea, Republic of">Korea, Republic of</option> <option value="Kuwait">Kuwait</option> <option value="Cayman Islands">Cayman Islands</option> <option value="Kazakhstan">Kazakhstan</option> <option value="Lao People’s Democratic Republic">Lao People’s Democratic Republic</option> <option value="Lebanon">Lebanon</option> <option value="Saint Lucia">Saint Lucia</option> <option value="Liechtenstein">Liechtenstein</option> <option value="Sri Lanka">Sri Lanka</option> <option value="Liberia">Liberia</option> <option value="Lesotho">Lesotho</option> <option value="Lithuania">Lithuania</option> <option value="Luxembourg">Luxembourg</option> <option value="Latvia">Latvia</option> <option value="Libyan Arab Jamahiriya">Libyan Arab Jamahiriya</option> <option value="Morocco">Morocco</option> <option value="Monaco">Monaco</option> <option value="Moldova, Republic of">Moldova, Republic of</option> <option value="Montenegro">Montenegro</option> <option value="Saint Martin (French part)">Saint Martin (French part)</option> <option value="Madagascar">Madagascar</option> <option value="Macedonia, the former Yugoslav Republic of">Macedonia, the former Yugoslav Republic of</option> <option value="Mali">Mali</option> <option value="Myanmar">Myanmar</option> <option value="Mongolia">Mongolia</option> <option value="Macao">Macao</option> <option value="Martinique">Martinique</option> <option value="Mauritania">Mauritania</option> <option value="Montserrat">Montserrat</option> <option value="Malta">Malta</option> <option value="Mauritius">Mauritius</option> <option value="Maldives">Maldives</option> <option value="Malawi">Malawi</option> <option value="Malaysia">Malaysia</option> <option value="Mozambique">Mozambique</option> <option value="Namibia">Namibia</option> <option value="New Caledonia">New Caledonia</option> <option value="Niger">Niger</option> <option value="Norfolk Island">Norfolk Island</option> <option value="Nigeria">Nigeria</option> <option value="Nicaragua">Nicaragua</option> <option value="Netherlands">Netherlands</option> <option value="Norway">Norway</option> <option value="Nepal">Nepal</option> <option value="Nauru">Nauru</option> <option value="Niue">Niue</option> <option value="New Zealand">New Zealand</option> <option value="Oman">Oman</option> <option value="Panama">Panama</option> <option value="Peru">Peru</option> <option value="French Polynesia">French Polynesia</option> <option value="Papua New Guinea">Papua New Guinea</option> <option value="Philippines">Philippines</option> <option value="Pakistan">Pakistan</option> <option value="Poland">Poland</option> <option value="Saint Pierre and Miquelon">Saint Pierre and Miquelon</option> <option value="Pitcairn">Pitcairn</option> <option value="Palestine">Palestine</option> <option value="Portugal">Portugal</option> <option value="Paraguay">Paraguay</option> <option value="Qatar">Qatar</option> <option value="Reunion">Reunion</option> <option value="Romania">Romania</option> <option value="Serbia">Serbia</option> <option value="Russian Federation">Russian Federation</option> <option value="Rwanda">Rwanda</option> <option value="Saudi Arabia">Saudi Arabia</option> <option value="Solomon Islands">Solomon Islands</option> <option value="Seychelles">Seychelles</option> <option value="Sudan">Sudan</option> <option value="Sweden">Sweden</option> <option value="Singapore">Singapore</option> <option value="Saint Helena, Ascension and Tristan da Cunha">Saint Helena, Ascension and Tristan da Cunha</option> <option value="Slovenia">Slovenia</option> <option value="Svalbard and Jan Mayen">Svalbard and Jan Mayen</option> <option value="Slovakia">Slovakia</option> <option value="Sierra Leone">Sierra Leone</option> <option value="San Marino">San Marino</option> <option value="Senegal">Senegal</option> <option value="Somalia">Somalia</option> <option value="Suriname">Suriname</option> <option value="South Sudan">South Sudan</option> <option value="Sao Tome and Principe">Sao Tome and Principe</option> <option value="El Salvador">El Salvador</option> <option value="Sint Maarten (Dutch part)">Sint Maarten (Dutch part)</option> <option value="Syrian Arab Republic">Syrian Arab Republic</option> <option value="Swaziland">Swaziland</option> <option value="Turks and Caicos Islands">Turks and Caicos Islands</option> <option value="Chad">Chad</option> <option value="French Southern Territories">French Southern Territories</option> <option value="Togo">Togo</option> <option 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