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 IBM servers and storage solutions and offer flexibility to align payments to your specific needs. Non-IBM content which is part of an overall IBM end user client solution may also be eligible for funding through IBM Global Financing. 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 competitive interest rates.
  • At the end of the lease term, you retain ownership of the equipment.


Acquire the technology you need through an alternative source of funds — so you can maximize purchasing power at competitive rates and with flexible terms. Loans are available for IBM hardware, services and software - including pre-paid SaaS subscriptions.

  • Available for hardware, software and services from IBM. Non-IBM content which is part of an overall IBM end user client solution may also be eligible for funding through IBM Global Financing.
  • Reduces upfront cost outlays.
  • Matches payments to deployment milestones.
  • Helps conserve cash.

Sale - Leaseback

  • We buy your current IBM IT assets and lease them back to you at competitive rates.
  • Immediate access to cash from IT equipment you own.
  • Gain benefits of leasing for IT equipment you’ve already purchased.

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.
  • Funding for your complete portfolio of IBM solutions and services.

Connect with IT financing experts


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.