Tackle the challenge of funding your software project

Business leaders are modernizing software to unleash data into AI and build secure cloud environments for growth. Reaching the right decision about how to strategically fund software solutions is critical to making transformational change timely, successful and affordable.

Talk to us about flexible payment solutions for software licenses, subscription and support, services for platforms such as IBM Cloud Pak™ and Red Hat® OpenShift® and solutions for security and AI.

Benefit from customized payment solutions

Accelerate projects

Payment plans and deferrals can help you acquire new software solutions sooner, preserve cash and minimize upfront cash outlays.

Enhance business results

A customized payment plan can help improve your project’s cash flow and break-even when aligning payments to project benefits.

Boost agility and flexibility

Even if you don’t currently use payment plans, consider using them for upgrades and renewals, including subscription and support, to defer cost through payments over time.

Improved project break-even with customized payments

An insurance company deploying IBM Cloud Paks with IBM Garage™ chose a payment plan aligned to anticipated business benefits.

The plan provided for smaller payments in the beginning when benefits were likely to be smaller, and larger payments later when the company expected to more fully realize results.

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Payment plans freed up funding for additional strategic initiatives

An automotive company deploying Red Hat® OpenShift to IBM Cloud™ was able to supply capital to fund building cloud-native applications by making monthly OpenShift payments.

The company took advantage of flexible payment plans to accelerate research and development to outpace its competition.

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Explore IBM software and solutions

IBM Public Cloud

A full-stack, globally deployable hyper scale public cloud. Open source software and industry-leading security combined with flexible IBM payment solutions can help you create your enterprise-grade platform sooner.

Business operations

With tools such as IBM Maximo® for asset lifecycle management, you can more quickly deploy cognitive IoT technology to infuse new intelligence into products, services and processes. Accelerate time to insights with flexible IBM payment solutions.


Detect and prevent advanced threats with an integrated security portfolio. Choose flexible payment structures, simple contracts and rapid approvals for a cost-effective approach to funding your security technology.

Supply chain

Build a smarter business network sooner with IBM Sterling solutions and flexible IBM payment plans. Benefit from AI and blockchain to deliver deeper supply chain visibility and better collaboration.


Infuse AI into your applications with solutions such as IBM Watson® OpenScale™ to track and measure outcomes from AI across its lifecycle. Get smarter customer self-service, reducing costs and customer wait times with IBM Watson Assistant. Payment solutions help accelerate your AI journey.

IBM Cloud® Paks

The IBM Cloud Pak® offering family gives developers, data managers and administrators an open environment to deploy modern enterprise software either on-premises or in the cloud. Start your journey to cloud sooner with flexible IBM payment plans.

See how we can help you fund your vision


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IBM Global Financing offerings are provided through IBM subsidiaries and divisions worldwide to qualified commercial and government clients. IBM Global Financing lease and financing offerings are provided in the United States through IBM Credit LLC. Rates and availability are based on a client’s credit rating, financing terms, offering type, equipment and product type and options, and may vary by country. This offering does not guarantee that credit will be provided. Non-IBM content which is part of an overall IBM end user client solution may also be eligible for financing through IBM Global Financing. Non-hardware items are financed by means of loans. Other restrictions may apply. Rates and offerings are subject to change, extension or withdrawal without notice and may not be available in all countries. IBM and IBM Global Financing do not, nor intend to, offer or provide accounting, tax or legal advice to clients. Clients should consult with their own financial, tax and legal advisors. Any tax or accounting treatment decisions made by or on behalf of the client are the sole responsibility of the client. For IBM Credit LLC in California: Loans made or arranged pursuant to a California Financing Law license.