Commercial Banking

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

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

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Credit and Financing

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

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

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Institutional Investing

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

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

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Investment Banking

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

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

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Private Bank

A uniquely elevated private banking experience shaped around you.

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

Wealth Management

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

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

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For Companies and Institutions

Commercial Banking
From startups to legacy brands, you're making your mark. We're here to help.
Institutional Investing
Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.
Payments
Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.
Credit & Financing
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
Investment Banking
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

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For Individuals

Private Bank
A uniquely elevated private banking experience shaped around you.
Wealth Management
Whether you want to invest on you own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.

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About Us

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

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Solutions
Commercial Real Estate
Commercial Term Lending
Sacramento Commercial Term Lending

Sacramento Commercial Term Lending

Our local team helps Sacramento-area owners and investors succeed with comprehensive commercial real estate solutions.

Benefit from our multifamily lending expertise

Experience an easy loan process when financing multifamily properties through our fixed- and adjustable-rate loan programs from $500,000 to $25 million or more. Working with the Sacramento Commercial Term Lending team, you can expect competitive rates, low fees and a reliable process. 

Term financing solutions include:

Hybrid: Fixed rate that converts to an adjustable rate for the remaining term
ARM: 6-month arm adjustable-rate loan programs
Fixed: 15-year terms on apartment buildings 
Flexible prepayment options: Stepdown and yield maintenance options vary by loan program
Fannie Mae® DUS® or Freddie Mac Optigo® Conventional: Fixed rate with up to a 30-year amortization

Get in touch

Industry experts in your market

Whether it’s refinancing, portfolio management or rent payment services, our dedicated Commercial Term Lending team offers tools and insights to help address all of your company’s needs throughout the real estate cycle.

John Welch

Executive Director Client Manager - CTL

+1 (916) 783-1567

Marc Farhang

Executive Director Client Manager - CTL

+1 (916) 783-1565

Rob Philpott

Executive Director TS Sales Group Manager - CTL

+1 (949) 471-1961