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 customisable 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 organisation’s goals, which is why we’ve developed our full suite of customisable financing solutions.

Get in touch to create your unique financing plan

We offer customisable 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 AU$8,000) coupled with a full suite of additional services that meet you along every step of your IT life cycle.


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 time frame.

When your IT equipment requires upgrading, you can also upgrade mid-lease, often with little to no change in your payments, while minimising 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 maximise 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.

Customised 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.



SaaS Solution Financing

Get payment plan options when your SaaS contract specifies annual or upfront payments. Pay month to month or with a custom payment schedule. Get the best price available with upfront billing and preserve your cash with a flexible payment plan.


Sale and Lease Back
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: where we can buy your current IT assets and lease them back to you at competitive rates.

Special promotions

We have finance offerings across our portfolio including software, hardware and services. We also offer Asset Recovery Services - includes buy-back options plus secure and compliant disposal, and IBM Certified Pre-owned kit when new is not an option.


Buy Now. Pay Later.

Why wait? Buy the solutions you need now. Pay later.

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 back because of budgets, there’s no need to delay.

With IBM Global Financing payment deferral options, you can get the technology you need to move forward without delay – deferring payments by up to 90 days.

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

Contact your local IBM Global Financing representative to learn more.

0% financing offers

0% interest for 12 months for IBM Hardware and IBM Software1

No hidden costs, no complex calculations

With 0% financing, you pay zero interest for 12 months on the IBM Hardware and Software solutions you need most. There's no better way to reduce your total cost of operations with no interest, predictable payment plans, fast approvals, and affordable monthly payments.

  • 0% IBM Software: Offer available for all software one-time charge products. Cost of new software licence or products must represent at least 30% of the amount financed. Total transaction value must be a minimum of AU$20,000.
  • 0% IBM Hardware: Applies to IBM Power Systems and Storage products. Total transaction value must be a minimum of AU $10,000. Services and Maintenance charges are not included.
  • Subject to credit approval by IBM Global Financing up to the value of AU$1.5m.

Additional offers

Pre-approved for Pre-owned
You are pre-approved for up to $400,000!!

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 $400,000, 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 quality satisfaction
  • Qualifies for IBM maintenance
  • Uses only genuine IBM replacement parts

We can work with you to customise and/or pre-configure the equipment to help accelerate implementation. Contact us at: 1800 616 820 to get started today. See more information on IBM Certified Pre-owned Equipment.



IBM Certified Pre-owned Equipment bundled with maintenance2
In partnership with Global Technology Services, we offer bundled maintenance support on select Certified Pre-owned assets. Get a pre-owned server with one, two or three years of service refurbished to like-new functionality, and pair it with 24-hour maintenance same business day coverage at no additional charge during the service period.

To minimise 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, 8203, 8205, 8231, 8202, 9119, 9179 and other machine types and certain storage systems

Call us for a fully tailored financial plan