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IBM Global Financing can help companies optimize their working capital, manage credit risk, capture more sales opportunities, and expand distribution channels.

Strong partnerships and expertise

We finance more than 50 billion USD in IT hardware and software annually.

Worldwide presence

We support IBM Business Partners in over 60 countries worldwide.

Competitive edge

Many organizations turn to IBM Global Financing to help them fulfill their ever-increasing commercial finance demands.

Customized financing programs to meet virtually any need

Inventory financing

Allows IBM Business Partners to optimize inventory available for resale to customers. Reducing financial payment pressures based on standard terms provides credit line flexibility for large orders and to meet seasonal demands.

Accounts receivable financing

Offers continued access to working capital after a product sale — with closer alignment to a partner’s cash conversion cycle. This financial flexibility accelerates business growth through more effective cash flow management.

Our supply chain finance solutions help IBM Business Partners

  • Enable channel sales growth
  • Improve cash flow
  • Increase credit capacity
  • Enhance financial flexibility
  • Mitigate risk
  • Strengthen partner loyalty

Take the lead with IBM Global Financing

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Take advantage of our extensive in-country presence

Don’t be constrained by geographic reach to support your business, we offer extensive in-country presence with support for local language, agreements, currencies, and terms.

Building with late workers

Benefit from a proactive approach to support your working capital needs

Improve the use of your working capital and support investment and sales growth.

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Leverage IBM Global Financing for your upcoming financing needs

Take the lead with IBM Global Financing as the key pillar of your financing strategy and build long-term relationships with clients.

Simplifying the delivery of enterprise-class systems with financing solutions

Case study: TES Enterprise Solutions Ltd.

TES specializes in providing its customers with enterprise systems, including IBM servers, storage and software solutions.

As a small business, TES needed help financing the enterprise systems it provides to its customers. The company sought to bridge the gap from when it acquired the systems and when it received payments from its customers.

After engaging IBM Global Financing, TES has benefited from working capital solutions, payment options for customers and Certified Pre-Owned servers.

Leverage your working capital. Grow your sales channel and your business.


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. 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.