IBM® My IBM Site navigation IBM Financing IBM Business Partner Financing IBM Certified Pre-Owned IT Tools IBM Financing Set the foundation of a frictionless hybrid cloud experience with IBM Power servers. Discover Power leasing (85 KB) Explore IBM financing Read the FinListics Solutions report (638 KB) 01 Overview 02 Benefits 03 Hybrid cloud and AI insights 04 What we finance 05 What we offer 06 Client stories 07 Get started IBM funds IT podcast Hear IBM experts discuss why financial strategies are key for technology investments Tune in now 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. Read the solution brief (637 KB) Financial strategies to fuel your hybrid cloud and AI growth Benefits Accelerate projects Payment solutions can help you start and execute hybrid cloud and AI projects up to three months sooner and accelerate time to value. Watch the video (02:14) Enhance business results A flexible and innovative financial strategy can help improve cash flow and enhance ROI — even potentially enabling self-funded projects. Download the white paper (1 MB) Boost agility and flexibility Payment solutions built for your unique hybrid cloud and AI workload needs can help address changes in demands for capacity, performance and functionality. Read the IDC report (855 KB) Hybrid cloud and AI insights 86% of business executives say cash flow and liquidity management is a top concern.¹ Learn more 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 View infographic (88 KB) 84% responded in the survey that controlling costs is a challenge of adopting a multicloud platform. Read the report (340 KB) What we finance Software IBM and Red Hat® software payment solutions can help you accelerate your application modernization and journey to hybrid cloud and AI. Watch video (01:02) View infographic (142 KB) Read solution brief (569 KB) Services IBM Services® can help speed your transformation to hybrid cloud and AI with flexible payment solutions. Watch video (01:12) View infographic (910 KB) Read solution brief (111 KB) IT Infrastructure Leases and payment plans for IBM Z®, IBM Power® Systems, and IBM Storage solutions can help improve ROI and TCO. View IBM Z infographic (90 KB) View IBM storage infographic (54 KB) Read IBM Power case study What we offer Loans View Loans Loans Acquire the hybrid cloud and AI technology financing you need with a flexible loan that may help you improve cash flow. View loan options (134 KB) Leasing View Leasing IBM Project Financing™ View IBM Project Financing™ IBM Certified Pre-Owned View IBM Certified Pre-Owned The financing solution allows us to keep working capital. — Hans Siekerman, Commercial Director, Pantheon Read the client story (2.4 MB) Working with IBM Financing helps us obtain great payment terms for our software acquisitions. — Stefano da Col, Sales Director, SPS Srl Read the client story Our customers love IBM Financing, they can postpone the spend until the following year... — Krista White, VP Marketing, BP3 Read the client story By spreading the cost of our infrastructure investments, we can protect our cashflow… — Chris Smith, Director of Sales Marketing, Blue Chip Read the client story Industry client stories Previous 1/3 Consumer products company Payment solutions helped the company increase free cash flow and meet the need for specific payment terms as they moved to a hybrid cloud environment and AI solution based on the Red Hat® OpenShift® Platform. (1.4 MB) Financial services company A mid-lease mainframe migration helped lower run rate, enhance ROI to 55% and payback to 1.5 years when a company upgraded to a cloud-native infrastructure. (98 KB) Next End of lease Meet your IT lifecycle needs through flexible end of lease options. Explore end-of-lease information (127 KB) Get started A robust financial plan can help you accelerate your hybrid cloud and AI journey. Financing calculator Contact us 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. 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. 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