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

Strong partnerships and expertise

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

Worldwide presence

Worldwide presence

We help suppliers work with channel partners in over 60 countries worldwide.

Competitive edge

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 channel partners to optimize inventory available for resale to customers. Reducing financial payment pressures based on standard supplier 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 IT suppliers and channel business partners – both distributors and resellers:

  • 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

Take advantage of our extensive in-country presence

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.

Benefit from a proactive approach to support your working capital needs

Benefit from a proactive approach to support your working capital needs

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

Leverage IBM Global Financing for your upcoming financing needs

Leverage IBM Global Financing for your upcoming financing needs

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

Gaining flexibility to drive business growth with IBM Global Financing

Case study: Exertis (UK) Ltd.

As a distributor of products from more than 470 technology manufacturers, Exertis needs to carefully manage its working capital to ensure that it has the financial resources available to pursue promising business prospects as they arise.

Exertis teamed with IBM Global Financing’s IT supplier and partner financing division to establish a flexible financing solution for its purchases from core technology suppliers.

With the IBM Global Financing solution, Exertis manages its working capital more effectively, keeping core technology products in stock for resellers and extending its own payment deadlines as needed. Plus, the distributor can use flexible IBM Global Financing options to manage payment terms and meet quarter-end cash flow targets set by its parent company. 

What our clients say

“IBM Global Financing support has made an incredible difference to us. We have grown market share in our country and we attribute this to IGF’s fantastic offering, flexibility, and tireless support. These coupled with their incredible integration and work ethic mean no competitor can even come close to matching IGF’s cooperation and collaboration. We are grateful to have IBM Global Financing as our financing partner, and are very excited for our business growth moving forward. With IBM Global Financing on our side, we feel there isn’t anything we can’t achieve.”

—MyungChun Chung, Chief Executive Officer & SeongGoo Hong, Managing Director

“IBM Global Financing provides us with an important line of credit. I work with a number of financial institutions and have found that IGF really understands our business and is more flexible and proactive to my credit requirements than others. I consider IGF a key financial partner to the success of our business.”

—Terry Johnson, Chief Financial Officer, Sirius Computer Solutions

“Toshiba Global Commerce Solutions works with IBM Global Financing in over 25 countries to manage credit capacity for many of our key distributors. IBM Global Financing effectively works with our business partners to enable Toshiba sales through the channel. IBM Global Financing's automated systems, efficient processes, quick responsiveness and strong customer service have proven very helpful to Toshiba's growth and have benefited our corporate cash flow. We highly value our relationship with IBM Global Financing and we benefit from IBM Global Financing industry expertise and knowledge.”

—Willis Lumpkin, Treasurer, Toshiba Global Commerce Solutions

“IGF’s partnership with Dell has been a global relationship for many years and in FY16, this has been aligned to extend offerings in the APJ region as well. IGF’s expertise in this business, ability to understand the requirements from supplier and buyer perspective, and flexibility helps accelerate the program and provide the partners a great ecosystem to grow. Engagement with the IGF operations team, minimal documentation, process transparency and adaptability has helped in strengthening our relationship. Dell-IGF has been a mutually beneficial, win-win partnership and we look forward to grow this momentum in the years to come.”

—Rajeev Kapoor, Executive Director, Global Financial Services, Dell

The availability of large-scale financial resources is crucial for the wholesale business. No less important is the ability to have a flexible approach, as our partner and regional network is wide, and quite often requires unique scenarios. In addition, the IT industry is very much affected by business seasonality. IGF is our key partner in ensuring the funding base we need and the diversity of sources. We very much appreciate IGF’s ability to accommodate our specific needs. When speed of process is essential – IGF cooperates with our subsidiaries directly. For trade financing, we use multiple trilateral cooperation models involving business partners of the ELKO Group. The team of at IGF is obliging in finding solutions in various and complex situations.”

—Svens Dinsdorfs, CEO, ELKO Group

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 must be one-time, non-recurring charges and 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.