Frequently Asked Questions



How can payment options help my bottom line?

Payment options 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 fund non-IT-related acquisitions through IBM Global Financing?

We currently 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.


Are your working capital 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 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 Now that it's installed, my previous hardware is obsolete and idle.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 in the Philippines are provided through IBM Global Financing Philippines Corporation 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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