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IBM 0% Software Financing

0% software financing hits the mark


Software financing from IBM Global Financing makes it easy for clients to budget for and acquire the one-time-charge (OTC) software they need, especially the IBM Software One solutions.

And now it’s as easy as ever to propose financing with IBM 0% Software Financing. Just divide the total amount to be financed by 12 to calculate the low monthly payment. There’s no better way to help clients:

You can also use financing as a reason to call on clients with Lotus to offering financing on Lock in savings with Lotus Software and offer no interest to credit qualified clients on multi-year agreements.

Extended Payment Solutions

No-interest payment terms on all non-ELA deals up to $1M for credit-qualified clients

--50% of total due at Month 3
--50% of total due at Month 9

0%, 36-month IBM Cast Iron

IBM Global Financing is announcing a financing alternative to renting IBM Cast Iron Term Licenses indefinitely. Clients can now obtain a perpetual software license and three years of Subscription and Support for the same investment as renting the solution for three years. The IGF offering allows the client to benefit from certainty in cost during the first 3 years and elimination of the Software License Right to Use fees beyond the year 3 as compared to standard Term License agreements.

Terms and Conditions:

Financing for IBM appliances

IBM Global Financing now provides a fair market value lease, which makes it even easier for your clients to acquire IBM appliances by lowering their total cost of ownership. A fair market value lease leverages residual value, which can drive savings over outright purchase and simplify your asset management and disposal.

Many IBM appliances offer a complete solution that integrates database, software, server and storage together to deliver performance, value and simplicity organizations need. IBM Global Financing can help you package these solutions for your clients with financing. Supported appliances are DataPower, ISS and Netezza.

Client benefits

Seller benefits

IBM Global Financing:

Client messaging

With IBM Global Financing, you can finance software from IBM or any approved vendor, regardless of whether it's a standalone product or part of a complete hardware/software solution. By combining multivendor software acquisitions into a single financing contract, you can reduce your overall software costs and simplify budgeting and planning.


  • 0% financing on IBM SW for 12 month terms
  • Competitive rates for 24-60 month terms
  • 0% financing on Lock in savings with Lotus Software deals provides clients with no interest on 2 or 3 annual payments (in advance) on multi-year agreements
  • Financing transaction sizes from $25K to $500K for credit-qualified clients in Canada and the United States
  • Flat monthly or quarterly payments
  • Step payments
  • Balloon payments
  • Deferrals
  • Base on credit rating and subject to credit approval

Frequently asked questions

What qualifies for 12 month 0% software financing?

How do I pitch 0% financing on 12 month terms?

What qualifies for 0% financing under the Lock in savings with Lotus Software program?

How do I pitch 0% financing on Lotus?

IBM Global Financing offerings are provided through IBM Credit LLC in the United States and other IBM subsidiaries and divisions worldwide to qualified commercial and government customers. Rates are based on a customer's credit rating, financing terms, offering type, equipment type and options, and may vary by country. Other restrictions may apply. Rates and offerings are subject to change, extension or withdrawal without notice.

Financing support


Getting started with IBM Global Financing

Getting started with IBM Global Financing

Winning with financing in 3 easy steps

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Rapid Financing mobile app

NEW - Rapid Financing mobile app

Our new Rapid Financing mobile app lets you include financing options in your client deals quickly and easily while on the road.

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Increase your probability to win

Increase your probability to win

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Distributor Financing Portal

Distributor Financing Portal

Get a quick start to understand the benefits of financing

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Financing advanced technologies – Cloud mobile social and more

Financing advanced technologies – Cloud mobile social and more

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