Flexible IT leases and loans

Whether you choose IT lease options or IT loan options, rely on more than 30 years of experience customizing terms to meet specific needs – plus a diverse set of additional services and solutions to improve your entire IT lifecycle.


Our IT lease options are available for both IBM and non-IBM equipment and offer flexibility to align payments to your specific needs. Combined with IBM Global Financing loans for software and services, you have one complete and convenient IT financing solution:

Fair Market Value Lease

  • A predictable, low risk approach to building your IT infrastructure with minimal impact on capital budgets and helps prevent technology obsolescence.
  • Features a fixed rate for the use of equipment over the lease term.
  • Add additional capacity or features during the middle of the lease, often with little or no change in monthly payments.
  • At the end of the lease term you can renew or extend the lease, purchase the equipment, or return it.

The Fair Market Value leasing advantage (PDF, 161 KB)

Full Payout Lease

  • Provides a payment plan for the entire cost of the IT equipment over a fixed time period.
  • Special offers with interest rates as low as 0%.
  • At the end of the lease term, you retain ownership of the equipment.
  • Financing for non-IBM IT infrastructure and mobile devices.
  • Leases and loans for non-IBM IT products and solutions including software, PCs and mobile devices.


Acquire the technology you need through an alternative source of funds — so you can maximize purchasing power at competitive rates and with flexible terms.

  • Available for hardware, software and services from IBM and other vendors.
  • Reduces upfront cost outlays.
  • Matches payments to deployment milestones.
  • Helps conserve cash.

Finance your non-IBM IT infrastructure and mobile devices

  • Leases and loans for non-IBM IT products and solutions including software, PCs and mobile devices.
  • Learn more about IBM Buyback Solutions: Recover maximum value for your organization's retired PC and mobile devices.

Sale - Leaseback

IBM Project Financing™

A dedicated single-source IT financing option

Mitigate the risk of delayed projects and reduce contract scope to speed implementation.

  • One dedicated funding source to avoid project delays for large-scale projects.
  • Integrated financing for IBM Global Services engagements and IBM and non-IBM hardware and software.
  • Financing for your complete portfolio of IBM solutions and services.

IBM Project Financing solution brief (PDF, 200 KB)

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IBM Global Financing Calculator

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IBM Global Financing offerings are provided through IBM subsidiaries and divisions worldwide to qualified commercial and government clients. 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.

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