Customized financing solutions to meet your clients needs

Financing IBM Cloud

Support the full lifecycle of your client's cloud investment with competitive financing solutions that turn upfront costs into affordable payments.

Financing IBM Cloud Paks and SaaS

Close higher value Financing IBM Cloud Paks and SaaS deals with a payment plan when the IBM Cloud Paks and SaaS contract specifies prepaid annual or multi-year upfront payments. Leverage IBM Global Financing to finance any remaining S&S renewal and help your clients avoid project delays.

Financing IBM Watson

Help your clients quickly deploy cognitive technologies with flexible financing solutions to help them minimize upfront payments and better align project costs outlays to anticipated benefits.

Financing IBM Sterling

Help your client build a smarter business network with the help of affordable payment plans for SaaS subscriptions and on premises solutions that are AI-enabled to deliver deeper supply chain visibility.

Financing IT Infrastructure

Help your clients acquire their IT Infrastructure, including Power Systems, IBM Storage and IBM Z mainframes through competitive leasing solutions and loans with competitive interest rates.

Financing IBM Security

Support your clients' security priorities and help them turn upfront costs into affordable monthly payments with competitive interest rates for IBM Software.

Financing IBM Services

Help your clients design and build the platforms necessary for growth and help make IBM Services more affordable through our attractive financing solutions.

Financing IBM Software

Help clients acquire software through simple contracts, flexible structures, and competitive rates. 

  • Competitive interest rates over 12 months for new IBM licenses and first-year subscription and support.*
  • Competitive interest rates on Extended Payment Solutions: Two payments – half at month three and half at month nine.

Multi-year maintenance services financing

Receive credit for the entire contract term upfront and decrease your invoicing and collection costs with prepaid renewals.

Look to IBM Global Financing to help your clients achieve more predictable cash flow and lower total payments and avoid potential annual increase by locking in current maintenance prices.

Grow a stronger business

  • Gain repeat business by being proactive - review mid lease upgrade or end of lease extension options.
  • Get paid faster - settle invoices within just a few days.
  • Accelerate closing deals through payment deferrals.
  • IBM Global Financing offers payment plans and leases for IBM solutions.**
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Why your clients value IBM Global Financing

  • Fewer budget delays by providing flexible funding options including longer payment terms or customized payment structures
  • Lower total cost of ownership compared to upfront purchase or loan
  • Flexibility to expand or upgrade to lessen the risk of IT obsolescence
  • Multiple end of lease options
  • Streamlined asset management with automated tracking tools
  • Simplified asset disposal

Integrate financing into your deals to reduce your clients' financial risk and boost your sales.

*Charges for software and services must be one-time, non-recurring. Minimum deal size is USD 5,000, with maximum of USD 1,000,000. Not all products qualify for all offers, please check with your local representative.

**Non-IBM content which is part of an overall IBM end user client solution may also be eligible for financing through IBM Global Financing.


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.