Simply fill out the Application form on our website to receive your quote. Then, schedule a call with one of our underwriters to go over your application in detail and plan next steps.

Unlike a traditional bank loan, GPU Loans look only to the GPUs as collateral when underwriting, not the cash flows or balance sheet of your underlying business. Placing the assets in a bankruptcy remote SPV removes recourse to the parent business, leaving your balance sheet unencumbered. Additionally, by building our process on blockchain rails, GPU Loans facilitate superior ease of execution.

You'll need company formation documents for your SPV, proof of GPU purchase through invoices or binding purchase orders, identification and KYC information for beneficial owners, and data center agreements showing where hardware will be housed (along with a summary one-pager of the data center). Additional documents may be requested by the underwriters as needed.

Absolutely! The beauty of the asset-backed nature of the product and the bankruptcy remote structure is that GPU Loans are relatively agnostic to the parent company, instead focusing on asset value and operational metrics rather than balance sheet strength.

Applications are processed in 7–30 days, significantly faster than traditional bank loans which often require 30–90 days for approval and funding. The exact timeline depends on factors like the status of the GPUs (i.e., ordered, shipping, installed and operating), the number of GPU units being financed, and how quickly you can provide required documentation and insurance.

Given the asset-backed nature of the financing, there is no need to look into the credit profile of you or your business.

Interest rates range from 7–15%, depending on several factors including type of GPU, Loan-to-Value ratio (LTV), and offtake arrangement. Loan principal is amortized straight line over three years, and prepayment is allowed at any time without penalty.

GPU Loans do not work directly with OEMs, but may be able to make introductions on your behalf. Additionally, the backstop of our financing may support receiving Net-30 payment terms, decreasing the up-front equity requirement.

GPU Loans are happy to finance equipment less than two years old. GPU Loans will value the asset at current market value, and lend against that partially depreciated basis.

GPU Loans insure our basis in the asset, with the premiums over the life of the loan capitalized into the up-front balance. If you would like to insure the asset separately, with yourself as loss payee, you are free to do so.

If you miss a payment, there is a 30 day grace period at accelerated interest. If the full balance owed is not paid by the end of the grace period, the tokenized warehouse receipts are auctioned on-chain, and the winner of the auction will take ownership of the GPUs, with our loan being paid down from proceeds.

GPU Loans allows hardware upgrades through a structured process where you can sell existing GPUs, use proceeds to pay down the corresponding loan portion, and finance replacement hardware through a new transaction. This flexibility enables you to refresh your infrastructure as technology evolves without being locked into obsolete hardware for the full loan term.

GPU Loans financing focuses specifically on GPU hardware as the collateral asset. Some related infrastructure components like high-performance networking equipment or specialized cooling systems are also financed. Soft costs like software licensing and install are not included.