IT Financing – IBM Global Financing

Overview

IBM Global Financing, the largest IT captive financier in the U.S. according to Monitor 100, can help you start projects sooner, improve cash flow and enhance business results — including return on investment (ROI) and total cost of ownership (TCO). Payment plans can help align infrastructure investments with workload needs to provide increased flexibility and agility. IBM can manage the complete lifecycle of leased IBM hardware and recycle and resell off-lease IBM devices.

Read the Monitor 100 report

Flexible payment solutions

Loans

Acquire the IBM and Red Hat technology financing you need with a loan that may help you improve cash flow and maximize purchasing power at competitive rates and with flexible terms.

Explore loan options (134 KB)

Leasing

Take a predictable approach to building IT infrastructure with IT financing leasing options that have minimal impact on capital budgets and can also enhance ROI and TCO.

Find leasing options (98 KB)

IBM Project Financing™

Use a dedicated, single-source technology financing option that may combine loans, leasing and payment plans to help mitigate the risk of delayed projects and reduce contract scope to speed implementation.

Learn more about Project Financing (124 KB)

IBM Certified Pre-Owned

Expand your IT infrastructure and address budget constraints with a wide selection of refurbished IT solutions attractively priced and customized to your needs.

Discover Certified Pre-Owned

What we finance

Man wearing striped button down shirt sitting at desk behind computer monitor looking into the distance.

Cloud

Move more to the cloud with customized payment plans for IBM hybrid multicloud and Red Hat solutions.

Cloud Payment Solutions

Woman wearing blouse sitting at desk with computer and back to several monitors looking toward the camera.

Software

Help reduce your upfront payments and optimize cash flow with payment options for IBM software.

Software Payment Solutions

Woman sitting at a desk with files on it in front of a window, looking a laptop, with a monitor to her right.

Services

Accelerate your cloud and digital transformation journey with a flexible payment plan built for your business needs.

Services Payment Solutions

Man standing in a server room, holding and looking at a mobile phone

IT infrastructure

Acquire and add advanced technologies as needed, offering predictable payments that conserve cash.

IT Infrastructure Payment Solutions

Benefits

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

Read the case study

Close up of automated pharmaceutical packaging line

Resources

Online financing calculator

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

Use our online calculator

Benefits of IBM flexible IT financing options

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

Learn about flexible financing (584 KB)

Accelerate innovation and growth with payment plans

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

Read the solution brief (134 KB)

PartnerWorld

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

Discover IBM Partner resources

Customer Centre

IBM Customer Centre is our web-based application that provides you with on demand access to key information about your leased assets.

Sign in to IBM Customer Centre

End of lease

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

Explore end-of-lease information

Disclaimer

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.