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Hear IBM experts discuss why financial strategies are key for technology investments


Most companies have a plan for hybrid cloud and AI — is your financial strategy ready?

Hybrid cloud and AI success is built at the intersection of flexible and innovative IT, business and financial strategies. ​

IBM Financing and its ecosystem partners with you to help build a flexible and innovative financial strategy to fuel your hybrid cloud and AI journey.

Financial strategies to fuel your hybrid cloud and AI growth

Financial strategies to fuel your hybrid cloud and AI growth

Hybrid cloud and AI insights


of business executives say cash flow and liquidity management is a top concern.¹


of IT leaders say a unified platform for cloud, data and AI is critical to their organization’s success in the long term.²


responded in the survey that controlling costs is a challenge of adopting a multicloud platform.

What we finance


IBM and Red Hat®​ software payment solutions​ can help you accelerate your​ application modernization​ and journey to hybrid cloud​ and AI. 


IBM Services® can help​ speed your​ transformation to​ hybrid cloud and AI​ with flexible payment​ solutions. 

IT Infrastructure

Leases and payment plans for ​IBM Z®, IBM Power® Systems, and IBM Storage solutions can help improve ROI and TCO.

What we offer


Businessman working on computer in office


Acquire the hybrid cloud and AI technology financing you need with a flexible loan that may help you improve cash flow.


Businesswoman working on digital tablet in an office


Take a predictable approach to building your hybrid cloud and AI infrastructure with leasing options that can help enhance ROI and TCO.  

IBM Project Financing™

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IBM Project Financing™

Achieve financial flexibility with a single source IT financing option that can combine loans, leases and payment plans to help accelerate your hybrid cloud and AI projects.

IBM Certified Pre-Owned

A Certified Pre-Owned IBM Power server

IBM Certified Pre-Owned

Expand your hybrid cloud and AI IT infrastructure and address budget constraints with refurbished IT that can be customized to meet your business needs. 

End of lease

Find important information about deinstallation, packing, returning, shipping and receiving, inspection criteria and checklists.

Get started

A robust financial plan can help you accelerate your hybrid cloud and AI journey.


¹ Cost and value transformation in the era of COVID-19 (PDF, 333 KB), IBM Institute for Business Value, September 2020.
² Greater than the sum of their parts (PDF, 216 KB), Oxford Economics, September 2020.


IBM Financing offerings are provided through IBM subsidiaries and divisions worldwide to qualified commercial and government clients. IBM 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 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 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.