Zipcode Finance · GPU loans

Permissionless
GPU loans, 10% fixed.

A borrower builds a vault for the hardware and funds half. Lenders fill the other half at a 10% fixed APR over 36 months. The GPUs sit in Zipcode custody until the last payment clears.

Fund a vault
  • Purpose-built GPU infrastructure
  • Custodial · no credit scoring
  • Fixed rate · fixed term
Fig. 01 — 2× HGX B300 rackZipcode
HGX B300 · 8 GPU · 2.3 TBHGX B300 · 8 GPU · 2.3 TBNODE 01NODE 02PDUTOR
Fixed APR10%Set by the protocol, not a curve
Borrower funds50%Deposited into the vault up front
Term36 moEqual monthly payments
Lender side open$503KAcross 3 vaults · $1.2M of hardware
Explore

Open vaults

Each vault is one hardware purchase. The borrower has already deposited their half. Fill the lender side and earn 10% fixed. Figures are illustrative until launch.

3 open · 10% fixed · 36 mo

4× RTX PRO 6000

NVIDIA Blackwell · workstation

Filling
Hardware purchase$36,000
Lender side$11K of $18K · 62%
Fixed APR
10.00%
Term
36 months
Monthly payment
$581
Borrower deposit
$18,000 · 50%
Lender interest, total
$2,909
Hardware
4 × 96 GB GDDR7 · 384 GB
Custodied by Zipcode until repaid

8× H200

NVIDIA HGX H200 · datacenter

Filling
Hardware purchase$280,000
Lender side$49K of $140K · 35%
Fixed APR
10.00%
Term
36 months
Monthly payment
$4,517
Borrower deposit
$140,000 · 50%
Lender interest, total
$22,627
Hardware
8 × 141 GB HBM3e · 1.1 TB
Custodied by Zipcode until repaid

2× HGX B300

NVIDIA Blackwell Ultra · datacenter

New
Hardware purchase$900,000
Lender side$45K of $450K · 10%
Fixed APR
10.00%
Term
36 months
Monthly payment
$14,520
Borrower deposit
$450,000 · 50%
Lender interest, total
$72,728
Hardware
16 × 288 GB HBM3e · 4.6 TB
Custodied by Zipcode until repaid
Section 01 — The model

Custodial GPU credit

01 / Build

Borrower opens a vault

Pick the hardware, open a vault, deposit 50% of the purchase price. No application, no credit check — the deposit and custody are the underwriting.

02 / Fill

Lenders fill the other half

Anyone can fund any open vault, in any size, until the lender side is full. Every dollar earns the same 10% fixed APR. Permissionless on both sides.

03 / Repay

Hardware held until paid

Zipcode takes delivery and custodies the GPUs. The borrower makes 36 equal monthly payments; on the last one, title transfers. Miss payments and the hardware is sold to make lenders whole.

Launch

Be first in the vault.

Vault creation and lending open together. Join the waitlist and we’ll email you once, when it’s live.