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.


Are your Supplier and Partner Financing solutions available to any business client?

Our Supplier and Partner Financing solutions are available to credit approved IBM Business Partners and other IBM channel partners such as distributors, suppliers, systems integrators, independent software vendors and resellers, to help them maximize assets and preserve capital. Additional benefits include optimized cash flow, reduced credit risk and reduced days sales outstanding. Leverage our 24/7 simple online account management tool with account access.


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 Now that it's installed, my previous hardware is obsolete and idle.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's locally approved offerings are provided through IBM Capital* in respective countries and other IBM subsidiaries and divisions worldwide to qualified commercial and government clients. Rates and availability are based on a client’s credit rating, payment 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 funded by means of payment plans. 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.


* Nothing above should be construed to mean that IBM Capital Singapore is engaged in transacting financing business.

For your reference, the relevant clause of Finance Companies Act is extracted below:

No person or body of persons, whether incorporated or not, other than a finance company licensed under this Act shall, without the consent of the Authority, use the words “finance company” or any of its derivatives in any language, or any other words indicating that it transacts financing business, in the name, description or title under which that person or body of persons is transacting business in Singapore or make or continue to make any representations to that effect in any bill-head, letter-paper, notice, advertisement or in any other manner.

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