For Lenders & Asset-Backed Financing

Precision underwriting for GPU assets

The difference between a 6-year and a 3-year GPU lifespan isn't luck—it's workload. Finance GPU infrastructure with precision using real-time telemetry and asset-level performance data.

The $50M question

Traditional GPU financing assumes uniform depreciation curves. But identical H100s can age dramatically differently based on actual usage.

Training workloads at 95%+ utilization

3 years or less of economic life

High thermal stress, constant memory cycling, accelerated wear

Steady inference at 60-70% utilization

5+ years of reliable service

Moderate temps, predictable workloads, sustainable operation

Without asset-level monitoring, you're underwriting both the same. That's mispriced risk.

40-60%
Lower risk exposure
vs. blind underwriting without telemetry data
$50M+
Assets tracked
Real-time monitoring across GPU portfolios
2-4 weeks
Implementation time
To deploy monitoring for new financing deals
Real-time
Asset visibility
Continuous verification of collateral performance
Risk Intelligence Platform

Data-driven underwriting

Real-time telemetry lets you see asset health before you lend, avoid bad deals, and price risk accurately.

Annual Portfolio Value Impact
$0

GPU Equipment Portfolio

Total financed assets under management

$250M
$50M$250M$500M$750M$1B

Sample Deal Pipeline

Select a deal to view telemetry insights
Real-time data informs every decision
Loss Reduction
$1.7M
40% fewer defaults
Risk Premium Income
$750K
Pricing risky deals higher
Volume Growth
$3.0M
15% more deals with confidence
Total Annual Impact
$5.5M
from Aravolta insights
Model: 4% baseline default rate, 45% equipment recovery, 40% default reduction through selection, 1% risk premium on 30% of deals, 15% volume increase through confident lending.

Financing structures we support

Sale-Leasebacks with Performance Triggers

Structure deals where lease terms adjust based on actual GPU utilization and thermal performance. If telemetry shows assets are being overtaxed, maintenance reserves or early buyback clauses automatically trigger.

Example: 5-year sale-leaseback where payment adjusts quarterly based on average GPU utilization and thermal violations

Usage-Based Credit Lines

Revolving facilities where borrowing capacity and rates are tied to actual GPU-hour utilization. Payments flex with verified compute output, not estimates.

Example: Credit line where interest rate decreases for operators maintaining GPUs at optimal 60-75% utilization

Portfolio Risk Monitoring

For lenders with multiple GPU-backed loans, aggregate portfolio-level insights on asset performance, utilization variance, and depreciation trends across all deals.

Example: Dashboard showing which borrowers are running GPUs hot vs. conservative, with projected salvage value adjustments

Case Study

USD.AI: Verifying GPU-Backed Credit Positions

See how a GPU financing company uses Aravolta for real-time asset verification and telemetry-based underwriting.

Ready to finance GPUs with confidence?

Join forward-thinking lenders using Aravolta to underwrite GPU infrastructure with precision. Schedule a consultation to discuss your portfolio and how telemetry can reduce your risk.

  • Portfolio-wide asset monitoring
  • Custom depreciation modeling
  • Automated compliance reporting