We can help you start projects sooner, improve cash flow and enhance business results — including ROI and total cost of ownership (TCO). Payment plans can help align infrastructure investments with workload needs to provide increased flexibility and agility. IBM can manage the complete lifecycle of leased IBM hardware, and safely and securely recycle and resell off-lease IBM devices.


Accelerate projects

Payment solutions can help you start and execute projects sooner.

Enhance business results

Flexible payment options can help improve cash flow and enhance ROI and TCO.

Boost agility and flexibility

Payment solutions aligned to workload needs can help increase your business agility and flexibility.

What we finance

Flexible payment solutions


Acquire the IBM and Red Hat technology you need, improve cash flow and maximize purchasing power at competitive rates and with flexible terms.


Take a predictable approach to building IT infrastructure with leasing options that have minimal impact on capital budgets and can also enhance ROI and TCO.

IBM Project Financing™

Use a dedicated, single-source IT financing option to help mitigate the risk of delayed projects and reduce contract scope to speed implementation.

IBM Certified Pre-Owned

Expand your IT infrastructure and meet budget constraints with a wide selection of refurbished IT solutions customized to your needs.

Palladio Group keeps capital resources free to fund strategic projects

“While we are very happy with our technical choices, we wouldn’t be here if it wasn’t for the great financing offering that IBM Global Financing was able to put together for us. The IBM Global Financing team made it easy to understand the possibilities that their proposal offered, and we couldn’t be more satisfied with our choice.” —  Giuliano Girardello, IT Manager, Palladio Group


Online financing calculator

Our loan and lease payment calculator lets you estimate your monthly payments.

Benefits of IBM flexible IT financing options

Flexible IT payment plans can help increase cash flow and returns while enabling faster decision making.

Accelerate innovation and growth with payment plans

Financing solutions help make technology affordable in an era of transformational change.


Business Partners can use IBM Global Financing resources to help meet their customers’ needs.

IBM Terms

The IBM Terms application contains IBM's standard terms and conditions, which you can access and view online.

End of lease

Meet your IT lifecycle needs through flexible end of lease options.


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. This offering does not guarantee that credit will be provided. 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.