UNSPSC 84101601: Co financing

UNSPSC 84101601 Co-financing, a Commodity code, encompasses municipal banking, treasury management, and financial transaction processing services that state and local governments procure to manage public funds, operate pension and benefit trust accounts, and process routine cash flows. Recent solicitations show governments are soliciting depository services, merchant card processing, ACH and wire transfer capabilities, procurement card programs, lockbox services, and investment advisory support—with Texas and Florida municipalities and county/school districts representing the bulk of recent activity.

Issuing bodies span Texas cities (Balch Springs, Heath, Pflugerville, Waxahachie, Norcross, Midland, Kingman, Southlake, Cooper City, Liberty Hill), Florida municipalities and counties (Sarasota, St. Petersburg, New Smyrna Beach, Miami-Dade, Los Angeles County, Broward County), Georgia jurisdictions (Gwinnett County, Cobb County Schools, Effingham County Schools, Fulton County Schools, Jackson Public Schools, Smyrna), school districts nationwide, pension systems (Sacramento County Employees' Retirement System, Dallas Police and Fire Pension System), and specialized authorities (Ontario International Airport Authority, Texas Treasury Safekeeping Trust Company). The City of Norcross issued RFP 26-09 on July 10, 2026, with proposals due August 12, 2026, seeking a five-year municipal banking services contract with a 5-point local-business preference and no price escalation during the initial term. The City of Midland issued RFP 26004356 on May 1, 2026, with proposals due June 3, 2026, for primary and secondary depository banking supporting $200 million in annual operating transactions. Gwinnett County issued RP023-26 on July 13, 2026, with proposals due July 30, 2026, for merchant processing services across 53 Merchant IDs and 175 terminals processing 1.9 million transactions totaling $278.4 million in 2025, with the incumbent Elavon's contract expiring December 31, 2026. The City of Dallas solicited Commercial Paper Liquidity Providers on April 30, 2026, with proposals due May 22, 2026, for up to $775 million in total short-term borrowing authorization across three capital programs, including 30–38 percent aspirational small-business participation under its DRIVE policy. Geographic concentration is heaviest in Texas and Florida, with secondary activity in Georgia, Michigan, Washington, Oregon, California, and Kentucky; the code reflects steady ongoing demand as incumbent contracts expire and municipalities refresh depository and payment-processing arrangements on multi-year cycles.