United States USA (change) | home | contact us | site map

services & solutions support & resources about us
log in | sign up
home > services & solutions > financial services > IBM Flexible Credit *NEW*

apply for IBM Flexible Credit

An IBM ID is required to submit an application and access the Account Management Tool. An IBM ID allows you to enter application data and view your contract status in a secure, safe site.

If you already have an IBM ID and password, please click here to sign in and fill out the Flexible Credit application. (Note: Your IBM ID and password is case sensitive.)

If you do not have an IBM ID and password, please click here to register.

When you have completed the registration process, please write down your IBM ID and password and store in a safe place.

You can now fill out the credit application form. Additional information is required for the IBM Flexible Credit application.

application submission

Applications for the IBM Flexible Credit program may be submitted during the following hours (all times Eastern Standard Time):

  • Monday through Friday: 4:00 AM to 12:00 midnight
  • Saturday: 7:00 AM to 9:00 PM
  • Sunday: 10:00 AM to 9:00 PM
Terms & conditions:
  • Application requires either a loan agreement, or a loan agreement and a personal guarantee.
  • IBM Flexible Credit is additive to any supplier's free-financing period.
  • Balance can be paid anytime during the extension period; a minimum payment of one-third of the balance is due each 30 days.
  • Interest will only accrue on the invoice amount you elect to extend, for the number of days you choose to extend the payment, and is calculated based on the average daily balance.
  • The balance can be paid anytime during the extended pay period, but a minimum payment of one-third of the balance is due at the end of the supplier's free financing period and each 30 days thereafter. There is an interest fee of 1.25% per month multiplied by the average daily balance of the unpaid principle you wish to extend.
  • In order to receive a prompt response to your credit application, please be sure to fill out all required fields, including the correct social security number of one of the company's principals. Failure to do so will result in the system rejecting your application. Completing the application does not necessarily mean you will be asked to provide a personal guaranty.
  • The balance can be paid anytime during the extended pay period, but a minimum payment of one-third of the balance is due at the end of the supplier's free financing period and each 30 days thereafter. There is an interest fee of 1.25% per month multiplied by the average daily balance of the unpaid principle you wish to extend
    IBM does not retain social security numbers once your account is credit scored. In addition, all information connected with IBM Flexible Credit is maintained on a secure IBM website.

eligibility

Financing is available to credit-qualified clients in the United States who are resellers in the IT equipment, software or services, consumer electronics and appliances industries. Clients must be in business a minimum of two years and have established relationships with suppliers that provide these industry products for resale.