IBM Global Financing offerings are provided through IBM subsidiaries and divisions worldwide to qualified commercial and government clients. Minimum transaction size $5,000, 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.
The estimates in this calculator are based on United States rates.
A lease from IBM Global Financing is the most predictable and lowest risk way to build the hardware components of your IT infrastructure. You pay a fixed rate over a fixed timeframe for the use of the equipment over the lease term and have several options at the end of the lease.
When your IT equipment requires additional capacity and new functions, you can add those mid-lease, often with little or no change in your monthly payments, while helping minimize IT obsolescence. End-of-lease options can include renewing or extending the lease, purchasing or returning the equipment.
A loan from IBM Global Financing helps you acquire the technology you need by providing you with access to alternative sources of funds, enabling you to maximize your purchasing power with competitive rates and flexible terms.
We provide loans for hardware, software and services from IBM and other vendors. The benefits include reducing upfront cost outlays, matching your payments to deployment milestones and helping you conserve cash.