IBM Financing
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Overview
Most companies have a plan for hybrid cloud and AI — is your financial strategy ready?
Hybrid cloud and AI success is built at the intersection of flexible and innovative IT, business and financial strategies.
IBM Financing and its ecosystem partners with you to help build a flexible and innovative financial strategy to fuel your hybrid cloud and AI journey.
Financial strategies to fuel your hybrid cloud and AI growth
Benefits
Hybrid cloud and AI insights
86%
of business executives say cash flow and liquidity management is a top concern.¹
77%
of IT leaders say a unified platform for cloud, data and AI is critical to their organization’s success in the long term.²
84%
responded in the survey that controlling costs is a challenge of adopting a multicloud platform.
A financial strategy may help you
Enhance ROI and improve cash flow
Enhance IT project ROI and improve cash flow
With a funding solution, you can align your payments to the anticipated project benefits, help improve cash flow and potentially enhance return on investment.
This chart illustrates aligning accumulated payments of a project to help match anticipated benefits.
Optimize TCO
Optmize TCO for IT projects
A fair market value lease of IBM IT infrastructure may provide a potential reduction of total cost of ownership compared to purchase with upfront payment.
This chart illustrates total cost of ownership savings when leasing (compared to upfront payment).
Start projects sooner
Start your IT project sooner
Experience shows that IBM Project Financing™ can speed up project approval because of the lower investment required upfront.
This chat illustrates how utilizing a payment plan could help start projects sooner by spreading out the cost outlays.
What we finance
Software
IBM and Red Hat® payment solutions can help you accelerate your application modernization and journey to hybrid cloud and AI.
Services
IBM Services® can help speed your transformation to hybrid cloud and AI with flexible payment solutions.
IT Infrastructure
Leases and payment plans for IBM Z®, IBM Power® Systems, and IBM Storage solutions can help improve ROI and TCO.
What we offer
Loans
Loans
Acquire the hybrid cloud and AI technology financing you need with a flexible loan that may help you improve cash flow.
Leasing
Leasing
Take a predictable approach to building your hybrid cloud and AI infrastructure with leasing options that can help enhance ROI and TCO.
IBM Project Financing™
IBM Project Financing™
Achieve financial flexibility with a single source IT financing option that can combine loans, leases and payment plans to help accelerate your hybrid cloud and AI projects.
IBM Certified Pre-Owned
IBM Certified Pre-Owned
Expand your hybrid cloud and AI IT infrastructure and address budget constraints with refurbished IT that can be customized to meet your business needs.
Client stories
Industry client stories
Get started
A robust financial plan can help you accelerate your hybrid cloud and AI journey.
Footnotes
¹ Cost and value transformation in the era of COVID-19 (PDF, 333 KB), IBM Institute for Business Value, September 2020.
² Greater than the sum of their parts (PDF, 216 KB), Oxford Economics, September 2020.
³ IBM product recycling programs
Disclaimer
IBM Financing offerings are provided through IBM subsidiaries and divisions worldwide to qualified commercial and government clients. IBM Financing lease and financing offerings are provided in the United States through IBM Credit LLC. 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. This offering does not guarantee that credit will be provided. Non-IBM content which is part of an overall IBM end user client solution may also be eligible for financing through IBM Financing. Non-hardware items 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 and IBM 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. For IBM Credit LLC in California: Loans made or arranged pursuant to a California Financing Law license.