Payment options

Today only 21% of IT staff time is devoted to innovation and new projects.

Budgets are under pressure. You need to create a strategy to manage — or even shrink — necessary expenses while you innovate. Financing is a fast and effective way to meet your business and technology objectives without losing sight of your long-term financial goals.

IBM Global Financing provides the purchasing power to create the competitive advantage and financial stability you need to save, re-invest and innovate. We offer a range of customizable payment plans, with simple contracts, rapid approvals and flexible payment structures.

We serve a wide range of clients, from small businesses to the majority of the Fortune Global 100 companies. Of course, the best financing strategy is one tailored to your organization’s goals, which is why we’ve developed our full suite of customizable financing solutions.

Get in touch to create your unique financing plan

We offer customizable leases and loans that you can combine with other programs, offers and non-IBM equipment to craft the solution that best fits your business strategy.

Flexible leases and loans

Over 30 years, we’ve built a diverse suite of financing services that allows us to provide loans tailored to your specific needs. The foundation of our offerings has remained the same: leases and loans (starting at 5,000 USD) coupled with a full suite of additional services that meet you along every step of your IT lifecycle.


We offer two basic types of leases:

Fair market value lease
A fair market value lease is the most predictable and lowest risk way to build out your IT infrastructure. You pay a fixed rate over a fixed timeframe.

When your IT equipment requires upgrading, on select IBM products, you can also upgrade mid-lease, often with little to no change in your payments, while minimizing IT obsolescence.

When your contract is over, you return the equipment to us.

A full payout lease
At the end of a full payout lease term, you retain ownership of the assets. After leasing the asset for a fixed price, we hand ownership over to you.

A full payout lease is best suited for assets that are stable, longer-term investments and aligned with your business strategy.


Loans help you acquire the technology you need by providing you with access to alternative sources of funds, enabling you to maximize your purchasing power with competitive rates and flexible terms.

We provide loans for hardware, software and services. The benefits include reducing upfront cost outlays, matching your payments to deployment milestones and helping you conserve cash.

Premium payment options

Our premium payment options give you several packaged choices that can be used alone or in combination with each other. From single-source financing options to using equity from your current server to finance an upgrade, our payment options provide you with balanced and cost-effective payment structures.


IBM Project Financing™
A dedicated single-source financing option

IBM Project Financing provides you with single-source financing tailored to your project’s lifecycle. By providing a dedicated funding source, IBM Project Financing helps allay the risk of delayed projects and reduces contract scope, while speeding project approval and implementation.

Open Infrastructure Offering
An open IBM infrastructure agreement gives you expandable capacity

Flexible financing can be included in your agreement to help dramatically reduce the complexity.

Consider an Open Infrastructure Offering if your IBM infrastructure plan is for three years or longer. An Open Infrastructure Offering is a forecasted payment plan with capacity on demand. The plan provides fixed capacity but gives you the option to temporarily upgrade anytime during that period. This allows you to address short-term needs with the secure knowledge that you are not losing sight of long-term goals — all with a single, simple invoice.

Get the advantages of leasing with IT equipment you’ve already purchased

If you need an immediate cash infusion and you own your IT equipment, consider a sale-leaseback: we will buy your current IBM IT assets and lease them back to you at competitive rates.

Special promotions

We provide you with many financing options, but our special offers are just that — special. Whether you’re migrating to a new system or looking for a bundled software-hardware deal, the offers below are some effective ways to meet your needs.

Our offers:

0% financing offers

0% interest on Power Systems and software for 24 months1
Get 24 months at 0% when you include systems software and systems software maintenance

If you are combining servers, systems, software and maintenance, you may be eligible for 24 months of 0% interest on your new Power System. Save money, get financial flexibility and move ahead with your new Power Systems strategy.

Eligible products:

Systems running Big Data and Analytics solutions on AIX or Linux

For IBM Power Express models, IBM Power Systems Software and IBM Power Systems Software Maintenance:

  • POWER7+ servers: 8231-E1D (710), 8268-E1D (710), 8231-E2D (730), 8202-E4D (720), 8205-E6D (740), 8246-L1x (7R1), 8246-L2x (7R2), 8248-L4T (7R4)
  • POWER8 servers: 8284-22A (S822), 8286-41A (S814), 8286-42A (S824), 8247-21L¹ (S812L), 8247-22L (S822L), 8247-42L (S842L)

Systems running the IBMi operating system

For IBM Power Express models, IBM Power Systems system software and IBM Power Systems system software maintenance:

  • POWER7+ servers: 8231-E1D (710), 8268-E1D (710), 8231-E2D (730), 8202-E4D (720), 8205-E6D (740)
  • POWER8 servers: 8286-41A (S814), 8286-42A (S824)

Systems for multiple of PowerLinux™ servers

For IBM Power Systems system software paired with IBM Power Systems system software maintenance:

  • POWER7+ servers: 8246-L1x (7R1) ,8246-L2x (7R2), 8248-L4T (7R4)
  • POWER8 servers: 8247-21L¹ (S812L), 8247-22L (S822L), 8247-42L (S842L)


0% interest on storage and Power Systems for 12 months2
Bundle your system with operating software for 12 months interest-free

Acquiring an IBM system storage solution or an IBM Power System is simple and low cost with our interest-free, 12-month full-payout lease.

Meeting your technology requirements with this 0% interest offer reduces upfront costs and makes your payments predictable.

Product eligibility:
- All IBM system storage products with operating system software
- Most IBM Power System products with select accompanying operating system software


0% interest on IBM software for 12 months3
Take advantage of 12 interest-free months on software licenses, subscriptions and first-year support

When you purchase software licenses, subscriptions and support, you’ll get 0% interest for 12 months and low rates on terms up to 60 months.

Eligible products:
- Software

Payment deferral offers

Why Wait? Acquire the solutions you need now. Defer payments until 2016.

Today more than ever, you need to act with speed and agility to accelerate transformational change that sustains your competitive advantage.

But if some essential projects are being pushed into 2016 budgets, there’s no need to delay. With IBM Global Financing payment deferral options, you can begin those projects now.

Whether deploying new analytics, cloud, commerce, security, Watson, and other services and solutions, you can get the technology you need to move forward without delay – deferring payments by up to 90 days – at today’s rates and no extra charge.

We can finance your entire solution – including hardware, software and services – from both IBM and non-IBM IT suppliers.

Don’t let budget obstacles delay essential transformational projects. We offer customized, affordable, and flexible financing options – such as payment deferrals – so you can move your business forward.

Contact your local IBM Global Financing representative to learn more about payment deferral options for ongoing and upcoming initiatives.


Power Systems payment deferral offer4
Defer your payments for 90 days at no charge

If you are paying between 5,000 and 500,000 USD, you are eligible for our no-charge 90-day payment deferral on new IBM Power hardware machines.

You can get the IBM hardware you need at today’s rates without having to make a payment until the end of your deferral period.

Eligible products:
- All models System i™
- All models System p™

Additional offers

Pre-approved for Pre-owned
You are pre-approved for up to $250,000!!

It’s easier than ever to acquire IBM Certified Pre-owned servers and storage. Get pre-approved financing up to a total transaction size of $250,000 USD, with a maximum of 20% IBM Software, no credit review needed!

All IBM Certified Pre-owned equipment is:

  • Fully tested to the latest IBM technology standards
  • Comes with a 90 day money back guarantee
  • Qualifies for IBM maintenance
  • Uses only genuine IBM replacement parts

We can work with you to customize and/or pre-configure the equipment to help accelerate implementation. Our Fast Ship program can deliver equipment within 24 hours, pre-loaded with software, tested and configured to your specifications. Contact us at: 866-IBM-1123 to get started today. See more information on IBM Certified Pre-owned Equipment.


IBM Certified Pre-owned Equipment bundled with maintenance5
In partnership with Global Technology Services, we offer bundled maintenance support on select Certified Pre-owned assets. Get a pre-owned server with one year of service refurbished to like-new functionality, and pair it with 24-hour maintenance coverage at no additional charge during the service period.

To minimize the cost, IBM Global Financing has refurbished these machines with new or like-new IBM parts. Get a single financial package and a single price, and simplify your financial and technology management.

Eligible products:
- Pre-owned System z: z9 BC (2096) and z9 EC (2094)
- Pre-owned Power Systems: 9117-570, 9119-590, 9119-595

Collaboration software payment installments
Break up your software licensing payments into three installments

If you are purchasing a new license for selected IBM® Collaboration or IBM WebSphere® portal collaboration offerings, we offer a special annual payment plan to better align with budget and project objectives. We give you financing rates as low as 0%, and the total cost is broken up into three equal annual installments.

The first payment is due at signing, and the next two payments are due 12 and 24 months later. This provides more predictable annual costs and a smaller upfront investment for new licenses and covers expenditures as low as $5,000.

Eligible products:
- All ICS products - WebSphere Portal products (excludes any SaaS offerings and SmartCloud for Social Business)

Call us for a fully tailored financial plan