Skip to main content

Equity Upgrade Lease

Lets your clients use the equity in their IT equipment to finance their next upgrade


  • Getting started with IBM Global Financing

    Getting started with IBM Global Financing

    Winning with financing in 3 easy steps Learn more

  • 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.
    Learn more

  • Distributor Financing Portal

    Distributor Financing Portal

    Get a quick start to understand the benefits of financing Learn more

  • Financing advanced technologies – Cloud mobile social and more

    Financing advanced technologies – Cloud mobile social and more

    Learn more

An Equity Upgrade Lease from IBM Global Financing lets your clients use the equity in their existing purchased equipment to finance upgrades without changing the accounting treatment of their assets. It keeps their payments low, and requires no current period book write-off. This is an outstanding opportunity to help them convert their IT equipment strategy from ownership to leasing, and offers highly competitive rates while eliminating the risks of ownership such as equipment obsolescence and disposal.

With an Equity Upgrade Lease, IBM Global Financing writes a Fair Market Value lease on the upgrade, crediting your client for the equity they have already built up in their purchased base. As part of the agreement, the client signs a document renouncing ownership in the leased assets at the end of the lease term, when title for the equipment will be transferred to IBM Global Financing. Even the disposal of your client's assets will be managed by IBM Global Financing in accordance with EPA guidelines, and United States federal, state and local laws.

Because the client retains title to the equipment for the duration of the lease period, an Equity Upgrade Lease doesn't require them to change their accounting treatment of the assets, so they won't suffer a book loss on the investments they've already made.


Additional information

For more information

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.

Live Chat is currently unavailable

The Live Chat service is usually available during normal business hours. Use the "Contact us" email link to send us an email now.