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Benefits of Financing


 
The biggest change sweeping today's IT world isn't the Internet, or operating systems, or wireless. It's about how businesses pay for them.

The advantages of financing are greater than ever. Any organisation can benefit from the reduced costs, simplified budgeting, credit preservation and flexibility provided by financing. With IBM Global Financing's competitive offerings, you can take full advantage of e-business opportunities while enjoying critical flexibility and investment protection.

More for your money

Financing vs Purchase

e-business Advantage

Competitive Advantage

More for your money

Increase your buying power and decrease your expenses. When you finance rather than buy, you can typically afford a more complete solution while making lower monthly payments and paying little or no up-front costs. Financing can also help reduce end-of-life hardware disposal expenses.

The larger the acquisition, the greater the benefits of financing. For large-scale projects (such as migrating to an e-business model, implementing supply chain management or customer relationship management systems), financing from IBM Global Financing can mean the difference between doing it now, or putting it off. Again.

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Financing vs Purchase

Consider these compelling advantages of financing:

Lower life-cycle cost
A lease lets you realize considerable savings compared to outright purchase or scheduled purchase payments. You pay only for the use of the equipment. Financing also helps to reduce the concerns and costs associated with equipment disposal.

Flexible payment options
Different payment structures can be tailored to fit your specific needs. For example, periodic payments can be structured to increase, decrease or stay constant over time.

Reduced Risk
At the end of the term, leasing gives you the option of simply returning the equipment, purchasing it outright or extending the contract, making it easy to cascade, upgrade or dispose of your equipment.

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e-business Advantage

Financing can expedite e-business transformation by letting you add IT capacity, reduce the risk of technology obsolescence and decrease the total cost of ownership.
Critical financing for e-business
You must implement versatile information technologies to remain competitive in the fast-paced e-business marketplace. However, many companies lack the resources required to purchase all the components of their e-business solution. This is especially true for software and services that can have large up-front costs but only return benefits over the long term.

IBM Global Financing provides flexible payment options tailored to your specific budget requirements or timed to match your benefit streams, enabling your company to afford a complete solution.

Speeding up e-business
Budget constraints and lack of capital can be key inhibitors as businesses attempt to meet emerging market and competitive challenges. IT financing enables companies to quickly adapt to changing competitive environments, and any e-business strategy should include access to flexible and competitive financing options.

As the world's largest IT financing company, IBM Global Financing offers customers competitive, flexible financing solutions for acquiring hardware, software and services.

IBM Global Financing also provides Business Partners with Commercial Financing offerings that let them leverage their inventory and accounts receivable.

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Competitive Advantage

IBM Global Financing provides flexible, cost-effective solutions that can help you acquire the IT hardware, software and services you need to migrate to new business models and maintain your competitive edge.

IT solutions are becoming obsolete faster than ever. Financing your acquisition may give you the option of simply turning in your equipment at the end of your contract, thus avoiding costly obsolescence. Then you're free to acquire the latest technology.

Take advantage of the flexibility that financing offers. Stay ahead of the technology curve, and ahead of the competition.

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