Software financing

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IBM Software can help your business acquire essential capabilities to capitalize on big data & analytics, and use social, mobile and cloud technologies to help your organization drive innovation. With IBM Global Financing, credit qualified customers can fund investments in short and long term projects, and quickly deploy capabilities from one of the most complete, open, standards-based software portfolios in the industry.

Securing software financing can lead to smoother deployment of your projects and faster return on investment, providing an attractive alternative to using cash. And, with a predictable payment plan, your business can lower capital expenses and match cash flows to project milestones

IBM Global Financing offers simple contracts that can be customized for your needs, with fast approvals, and flexible payment structures and terms. Offerings include highly competitive software financing rates, including 0% interest loans on IBM software for 12 months, and fair market value (FMV) leases for the family of IBM software appliances and IBM PureSystems™.

Offering highlights

0% financing for IBM Software

0% financing for softwareWhen purchasing new IBM software licenses and first-year subscription and support, your business can take advantage of rates as low as 0% over 12 months1. This is an ideal way to reduce your upfront costs with exceptionally low rates, fast approvals and a single periodic payment.

Extended payment solutions

Extended Payment Solutions (EPS) are available from IBM Global Financing with no up-front payments for IBM Software. This no-interest offering has two payments: 50% of the principal due at month three and the remaining 50% due at month nine. Offer is available for well qualified clients. Eligible deals must include at least 50% new IBM Software license under non-ELA type agreements. All IBM Software acquisitions are available.

Additional financing options

Appliances financing

  • Appliances have made it easier to integrate functions like analytics and security into your business by providing you a thoroughly tested hardware and software system. IBM Global Financing can help provide the financing options necessary to speed your appliance rollout and accelerate your time to value.

    Our flexible financing options such as fair market value (FMV) leases can help lower your total cost of ownership by as much as 16 percent² and improve your financial return.

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1 Charges for software and services must be one-time, non-recurring. Minimum deal size is $5,000, with maximum of $1 million. Not all products qualify for all offers, please check with your local representative.

2Represents Net Present Value savings over a 36 months period for an IBM hardware Fair Market Value lease from IBM Global Financing with a "best credit" customer and including an assumed value for the customer’s cost of capital of the U.S. prime rate.

Legal notes

IBM Global Financing offerings are provided through IBM Credit LLC in the United States and other IBM subsidiaries and divisions worldwide 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, the IBM logo, and Rapid Financing are trademarks of IBM Corp. Other product and service names may be trademarks of IBM or other companies. The current list of IBM trademarks is available at

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