IBM Global Financing Leasing Options

  • A predictable approach to building your on-prem infrastructure with minimal impact on capital budgets.
  • Customized first payments to align to your budget cycle and help you get started faster.
  • Lease payments matched to investment value and benefit milestones can help improve your Return on Investment.
  • Delivers lower Total Cost Of Ownership compared to buying with cash and provides continued access to leading-edge technology. 
  • Add more capacity or features during the middle of the lease, often with little or no change in monthly payments.
  • Renew or extend the lease, buy the equipment, or return it when the lease expires.

The Fair Market Value leasing advantage (PDF, 102 KB)


Acquire the technology you need through an alternative source of funds — so you can maximize purchasing power at competitive rates and with flexible terms. Loans are available for IBM hardware, services and software - including pre-paid SaaS subscriptions.

  • Available for hardware, software and services from IBM. Non-IBM content which is part of an overall IBM end user client solution may also be eligible for financing through IBM Global Financing.
  • Reduces upfront cost outlays.
  • Matches payments to deployment milestones.
  • Helps conserve cash.

Sale - Leaseback

  • We buy your current IBM IT assets and lease them back to you at competitive rates.
  • Immediate access to cash from IT equipment you own.
  • Gain benefits of leasing for IT equipment you’ve already purchased.

IBM Project Financing™

A dedicated single-source IT financing option

Mitigate the risk of delayed projects and reduce contract scope to speed implementation.

  • One dedicated funding source to avoid project delays for large-scale projects.
  • Financing for your complete portfolio of IBM solutions and services.

Connect with IT financing experts


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.