Financing structures we arrange
We match the structure to the deployment and to what lenders need to see.
Equipment leases
Fair-market-value leases carry lower payments than a buyout lease and let you buy, renew or return the systems when the term ends. With a $1-buyout lease, the systems are yours once the final payment is made.
Equipment loans
Term loans secured by the GPU systems they pay for. You own the hardware from the start, and the lender holds a security interest until the loan is repaid.
Sale-leaseback
Sell GPU systems you already own to a lessor and lease them back. The systems stay in service, and the capital tied up in them goes to your next deployment.
Vendor and milestone financing
Payments tied to delivery milestones, so cash goes out as the systems are built, shipped and accepted.
Contract-backed financing
Financing secured by a signed offtake or take-or-pay contract with your customers. Lenders underwrite the contract's payments, with the hardware as collateral.
Collateral research
Hardware price and rent-to-value research that borrower and lender can both review during diligence, with every observation tagged by evidence class.
Financing against signed contracts
When your customers have signed for the capacity, the contract itself supports the financing.
A signed offtake contract turns demand into something a lender can underwrite.
An offtake contract commits your customer to buy capacity for a set term. A take-or-pay contract commits them to pay for an agreed amount whether or not they use it.
Lenders and lessors can underwrite those payments, with the GPU systems as collateral. We assemble the signed contract, your customer's credit information and the collateral research into one package for their review.
Diagram in words
Your customers sign an offtake or take-or-pay contract with your company and pay for the compute capacity it provides. A lender or lessor provides financing to your company and receives payments over the term. Your company owns or leases the GPU systems, and the lender or lessor holds a security interest in them or keeps title. Rillor works with your company on scope and structure, prepares the collateral research and brings the package to lending and leasing partners.
What lenders look at
Partners weigh the contracts behind a deployment and the hardware that secures it. We prepare the evidence for both.
- Contracted revenue
- Signed customer contracts, their term, and how much of the hardware's life they cover.
- Customer credit
- The financial strength of the customers who signed those contracts.
- Prepayment
- Cash customers pay upfront, which lowers the amount to finance.
- Collateral value
- What the systems are worth today, by grade and condition, from listings, quotes and reported sales.
- Residual value
- What the systems are likely to be worth when the contract or lease ends.
Our collateral and residual value research uses the hardware price and rent-to-value methodology of the Rillor Compute Index.
Who we arrange financing for
Companies deploying GPU infrastructure for their own business.
AI companies
Training and inference systems on a lease or loan, paid for across the life of the hardware.
GPU cloud operators
New capacity financed against signed customer contracts, and capital released from systems already in service.
Enterprises
Private AI infrastructure financed over its useful life in place of one upfront purchase.
Data-center operators
Equipment financing and sale-leasebacks for GPU systems you run for your tenants.
Financing is arranged for commercial purposes only.
How financing comes together
Four steps, from the first conversation to signed terms.
- ScopeWe review the systems, the deployment and the customer contracts behind it, and agree what the financing needs to cover.
- StructureWe choose the structure and build the lender package, including collateral research.
- Partner reviewLending and leasing partners review the package, run their credit approval and set their terms.
- CloseYou sign with the financing provider, and funds move on the schedule in the agreement.
Related compute services
Financing works alongside the hardware, the agreements and the price data.
Notices
Financing. Financing is provided by third-party lenders and lessors, subject to their credit approval and terms, for commercial purposes only. Rillor does not lend money. Rates and terms are set by the financing provider. Rillor may receive a fee from the provider, disclosed before an introduction.