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Keep pace with the speed of technology

We offer flexible payment plans for IBM's cloud migration, business continuity, technology support and networking services. IBM Global Financing can help you move forward with a customized payment plan for IBM Services to help you keep pace with the speed of technology and transform your business into a cognitive enterprise.

Payment plans can help:


Accelerate implementation

Accelerate project approval and implementation while overcoming budget constraints.

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Achieve financial goals

Achieve greater financial flexibility by turning upfront costs into predictable payments.

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Align costs

Align project costs with anticipated benefits or revenue generating milestones.


Preserve cash

Minimize upfront cash outlays and preserve cash to invest in other strategic priorities.

Payment plans for your entire solution

Payment plans and deferrals

Payment plans and deferrals as low as 0% for IBM Services engagements to help you continue delivering on your IT strategy throughout the year while managing budgets.


Acquire your IBM Services solutions through an alternative source of funds and maximize your purchasing power with competitive rates and flexible terms.

Project Financing

Customizable payment plans, including leases and loans, for IBM IT infrastructure, cloud computing solutions, AI technology, and more IBM software and services solutions.

Client stories

Steve Wilder, CFO and CIO of City Furniture, shares his unique perspective on how the retail industry is transforming with mobile technology.

Forum Engineering, a staffing agency in Japan, accelerated transformation with flexible payment plans when adopting a cognitive staffing solution that analyzes data to propose an optimal candidate.

Accelerate change with IBM Global Financing

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Ask your IBM seller about our payment plans for IBM Services.

Move your business forward with IBM Services for business continuity, technology support and more.


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.