Why you should finance your new, upgraded or replaced IT infrastructure

Let flexible IBM leases and payment plans help you react to business needs faster, stretch your budget, protect cash flow and potentially improve ROI for your next IT project.

Talk to us about funding options for upgrading or expanding your IT infrastructure and extending it across your private cloud or hybrid multicloud environment. Our loan and lease payment calculator lets you estimate your monthly payments.

Spreading cost over time with a monthly payment solution

Working with IBM Global Financing enabled French cloud service provider (CSP) Groupe Hisi to launch a new cloud service running on IBM Power Systems.

The financing deal transformed what would have been a capital investment into monthly fees, starting with a two-month deferral period, which enabled Groupe Hisi to match costs with benefits.

Accelerate projects

Payment plans can help you start projects sooner, stretch budgets and optimize cash flow with flexible payment plans, leasing and payment deferrals.

Enhance business results

Financing can help you align your payments with project implementation, providing an opportunity to enhance your ROI.

Boost agility and flexibility

Payment solutions aligned to workload needs can help increase your business agility and flexibility.

The IBM Fair Market Value Lease advantage

With a fair market value (FMV) lease, you pay only for the use of the equipment during the lease. FMV leasing also naturally provides lifecycle management, including disposal, and lower monthly payments and improved total cost of ownership compared to purchasing.

You can expand capacity, performance and functionality during the lease term as your business needs grow, and choose from several options at the end of your lease term.


Fair Market Value Leasing

Meet today’s challenges with payments over time and lower cost compared to purchase.

End of Lease

Important information about options and what to do after your lease ends.

IBM Power Systems

Servers that match your workloads, IT environment and budget.

IBM data storage

Data-first infrastructure for hybrid multicloud.


Data privacy, security and resiliency for your hybrid multicloud.

IBM Systems Software

IT infrastructure software and operating systems your business can rely on.

See how we can help you fund your vision



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. This offering does not guarantee that credit will be provided. 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.