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?

IBM Global Financing is the world's largest IT captive financier and can help enable credit-qualified clients to transform their businesses with affordable options to acquire the latest in IBM technology and solutions, including: cloud, analytics, mobile and social. Our flexible payment options can accelerate the acquisition of transformational projects with total solution financing, including IBM and non-IBM products and services.


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?

We currently only offer financing and leasing on IT solutions that include IBM content. Please note that non-IBM hardware, software and services can usually be included in financing contracts for complete solutions, as long as minimum IBM content requirements are met.


Are your Commercial Financing solutions available to any business client?

Our Commercial Financing solutions are available to credit approved IBM Business Partners and other IBM Channel 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 state and local 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 offerings are provided through IBM Credit LLC in the United States other IBM subsidiaries and divisions worldwide to qualified commercial and government clients. Rates are based on a client’s credit rating, financing terms, offering type, equipment type and options, and may vary by country.

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