Frequently Asked Questions



How can financing help my bottom line?

Financing can help you get more out of your IT budget. Reduced monthly payments translate to lower expenses and more buying power. Financing can lead to improved liquidity, allowing you to keep more cash on hand. It can also allow you to preserve existing credit and to qualify for other financing.


Will IBM Global Financing finance non-IBM products?

As a solution financier, IGF can finance any mix of vendor Software, Hardware and/or Services, with no minimum requirements of any one brand. This means that as you look to acquire your IT solutions, you can wrap all the components in to one simplified payment plan that makes it easier for you to manage and reap the benefits from.


Will IBM Global Financing finance IT services?

In addition to IT hardware and software, financing is also available for services related to your multivendor IT solutions. Flexible financing options matched to any sized business ensure you get a complete solution that precisely fits your unique requirements.


Can I finance non-IT-related acquisitions through IBM Global Financing?

As the world’s largest captive IT financier, we finance most IT hardware, software and services for commercial and government clients subject to credit approval. This includes products from server, storage and network infrastructure to PCs, printers and mobile devices, ATMs, POS and all myriads of software as well as related services to consult on, implement and maintain technology solutions. However we do not finance non-IT related acquisitions.


Are your Commercial Financing solutions available to any business client?

Our Commercial Financing solutions are available to supplier/credit approved Business Partners such as Distributors, systems integrators, independent software vendors and resellers, to help them maximise assets, preserve capital, and meet growth and profit objectives. Our online tools can help monitor credit lines, track payment dates, retrieve invoices, request approvals and forecast receivables


I have short-term hardware needs. Is renting an option?

Yes. IBM Global Financing offers selected equipment on a short-term rental basis to commercial and government clients to help meet unique requirements. Situations where renting would make good sense include times of peak loads; special test situations; evaluation of specific IBM equipment before making larger investment decisions; software development or application pilot situations.


I financed my hardware acquisition. Now that it's installed, my previous hardware is obsolete and idle. Can IBM Global Financing help?

Resale of pre-owned hardware on the secondary market, as well as recycling or EPA-certified destruction and disposal, are some of the disposition services available through our Global Asset Recovery Services. Any equipment that can't be reused or recycled is disposed of in an environmentally safe manner, and certifications of destruction ensure you are indemnified against possible future environmental claims.


Who is eligible to finance IT solutions through IBM Global Financing?

IBM Global Financing provides financing to credit approved commercial and government clients. Offerings are provided through IBM Credit LLC in the United States other IBM subsidiaries and divisions worldwide. Rates are based on a client’s credit rating, financing terms, offering type, equipment type and options, and may vary by country.

Connect with us about your financing needs