Readiness quiz: Does budget hold you back from your hybrid cloud project?

Select your answer to find out how a payment solution may help you accelerate and fund your hybrid cloud journey.

Accelerate your digital transformation with flexible payment solutions​

Funding strategic investments in hybrid cloud and AI can support your digital transformation initiatives and help meet business demands for speed, flexibility, resiliency and agility.  IBM flexible payment solutions — including leases, loans and deferred payments – are helping clients start projects sooner, improve cash flow and enhance return on investment and total cost of ownership.

Flexible payment solutions

What we finance


Accelerate projects

Payment solutions can help you start and execute projects sooner.

Enhance business results

Flexible payment options can help improve cash flow and enhance ROI and TCO.

Boost agility and flexibility

Payment solutions aligned to workload needs can help increase your business agility and flexibility.

Palladio Group keeps capital resources free to fund strategic projects

“While we are very happy with our technical choices, we wouldn’t be here if it wasn’t for the great financing offering that IBM Global Financing was able to put together for us. The IBM Global Financing team made it easy to understand the possibilities that their proposal offered, and we couldn’t be more satisfied with our choice.” —  Giuliano Girardello, IT Manager, Palladio Group


Online financing calculator

Our loan and lease payment calculator lets you estimate your monthly payments.

Benefits of IBM flexible IT financing options

Flexible IT payment plans can help increase cash flow and returns while enabling faster decision making.

Accelerate innovation and growth with payment plans

Financing solutions help make technology affordable in an era of transformational change.


Business Partners can use IBM Global Financing resources to help meet their customers’ needs.

End of lease

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


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.