Flexible IT leases and loans

Whether you choose a lease or loan, rely on more than 30 years of experience customizing terms to meet clients’ specific needs – plus take advantage of a diverse set of additional services and solutions to succeed throughout your entire IT lifecycle.

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Leases

Our leases are available for both IBM and non-IBM equipment and offer flexibility to align payments to your specific needs. Combined and packaged with IBM Global Financing loans for software and services, you have a complete and convenient IT financing solution:

Fair Market Value Lease

  • One of the most predictable, lowest risk approach to building your IT infrastructure with minimized impact on capital budgets and a better protection against technology obsolescence.
  • Features a fixed rate for the use of the equipment over the lease term with several options at the end of the lease including continuation or purchase at residual value.
  • As you need additional capacity or features, you can add it mid-lease, often with little or no change in your monthly payments.
  • At the end of the lease term you can renew or extend the lease, purchase or return the equipment.
     

Full Payout Lease

  • Provides a payment plan for the entire cost of the IT equipment over a fixed timeframe.
  • Special offers with interest rates as low as 0%.
  • At the end of the lease term, you retain ownership of the equipment
  • Financing for non-IBM IT infrastructure and mobile devices
  • Leases and loans for non-IBM IT products and solutions including software, PCs and mobile devices.

Learn more about IBM Buyback Solutions: Recover maximum value for your organization's retired PC and mobile devices

Talk to an expert at IBM 1-877-426-3774 Priority code: IGF

 

Loans

Acquire the technology you need by accessing an alternative source of funds — so you can maximize your purchasing power at competitive rates and with flexible terms.

  • Available for hardware, software and services from IBM and other vendors.
  • Reduces upfront cost outlays
  • Matches payments to deployment milestones
  • Helps you conserve cash.

Talk to an expert at IBM 1-877-426-3774 Priority code: IGF

Financing for non-IBM IT infrastructure and mobile devices

  • Leases and loans for non-IBM IT products and solutions including software, PCs and mobile devices.
    Learn more about IBM Buyback Solutions: Recover maximum value for your organization's retired PC and mobile devices

Talk to an expert at IBM 1-877-426-3774 Priority code: IGF

Sale - Leaseback

  • Get the advantages of leasing with IT equipment you’ve already purchased
  • If you need immediate access to cash, and you own your IT equipment, we can buy your current IBM IT assets and lease them back to you at competitive rates.  Learn more (132 KB)

Talk to an expert at IBM 1-877-426-3774 Priority code: IGF

IBM Project Financing™

A dedicated single-source financing option

Mitigate the risk of delayed projects and reduce contract scope, while speeding project approval and implementation.

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Estimate your payments

IBM Global Financing Calculator

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Footnotes

IBM Global Financing offerings are provided through IBM subsidiaries and divisions worldwide to qualified commercial and government clients. 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-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.