Get the right infrastructure at a lower cost

IBM Global Financing offers a complete set of payment plans, IT equipment loans and leasing options to help you acquire and add advanced technologies as needed – offering predictable payment structures that conserve cash and help stretch your budget.

Build your infrastructure with IBM Power to accelerate big data insights and hybrid cloud deployment. Optimize your budget with IBM Global Financing payment options and leases.

Harness the power of hybrid multicloud with IBM data storage. Design a customized payment plan with IBM Global Financing leases and IT equipment loans.

Deliver digital trust with IBM Z and LinuxONE: the secure, resilient and agile platform for hybrid multicloud. Design a customized IT equipment financing strategy for your mainframe solution.

Why financing

Fair market value leases – get the benefits of leasing vs. buying IT equipment:

  • Lower total cost of ownership for your IBM IT Infrastructure investment
  • Shifts obsolescence and disposal risk to IBM Global Financing
  • Allows upgrades and growth during the IT equipment leasing with little change in monthly payment

Full Payout leases – payment plans for IT equipment

  • Lower upfront cost to conserve cash and credit lines
  • Predictable payments over time

Loans – payment plan and financing software and services

  • Predictable scheduled payments to match targeted deployment milestones
  • Lower upfront costs to conserve cash and credit lines
  • Affordable equipment loans and solutions to acquire the technology you need now

IBM Project Financing™

  • One dedicated funding source to avoid project delays for large-scale projects
  • Integrated financing for IBM Global Services engagements and IBM hardware and software – Non-IBM content which is part of an overall IBM end user client solution may also be eligible for financing through IBM Global Financing
  • Financing solutions and services

Optimize your IT infrastructure and improve asset management strategies.

Estimate your payments

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. 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.