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We offer loans with competitive rates and flexible terms so you can get started on your AI journey with IBM Watson.

With Watson artificial intelligence, you can unlock hidden value in your data to surface answers, understand trends and patterns, and redefine employee and customer experiences.

As you use Watson to build and expand your artificial intelligence capabilities, consider how flexible payment plans and competitive rates can help you quickly deploy AI technologies across your entire enterprise.

Watson IoT simplifies the networking of devices to drive digital disruption with far-reaching impact.

By financing tools such as IBM Maximo® for asset lifecycle management and IBM TRIRIGA® to automate facilities management you can more quickly deploy cognitive IoT technology to infuse new intelligence into products, services, and processes.

IBM Watson Health enables you to move from data to value. By minimizing your upfront cash outlays with custom payment plans, you can preserve cash and credit lines to meet the strategic needs of your organization while gaining access to a powerful platform and actionable insights that help you make smarter, data-based decisions.

Choose a financing strategy tailored to AI and cloud solutions.

Benefit from competitive rates – for stand alone prepaid SaaS structures (annual or multi-year) with payment options.

Optimize your cash flow when financing upfront annual or multi-year SaaS subscriptions from IBM.

IBM Global Financing can help

Purchasing flexibility so you can add software, hardware, and services at any time, as needed

Reduced upfront payments to better align cost outlays with anticipated benefits

Preserve cash and credit lines to meet other strategic needs


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.