GPU Residual Value Forecaster
Depreciation & Collateral Risk
Projected resale value of GPU hardware over 3-5 years, adjusting for new generation releases (e.g., Blackwell).
Lenders rely on 'Residual Value' to set LTV ratios. If chips depreciate too fast, the loan is underwater.
Look for 'Half-Life'. Values below 24 months signal high volatility and financing risk.
Per Unit Value
% of Original Cost
Max Loan-to-Value
Lenders typically use 50-70% LTV ratios and charge 12-15% interest to account for front-loaded depreciation (40-60% loss in first 24 months).
Asset Details
Valuation Results
GPU Depreciation Schedule
How fast do H100 / H200 / A100 GPUs depreciate? Exponential decay curve over 48 months
This GPU depreciation schedule shows how NVIDIA H100 SXM residual value declines over time. Use this to estimate GPU collateral valuation for GPU-backed loans.
How to Value GPUs as Collateral for GPU-Backed Loans
Private credit lenders and equipment financiers use GPU collateral valuation models to determine maximum loan amounts for GPU-backed loans. Understanding H100 residual value, A100 depreciation schedules, and GPU lease buyout values is critical for both borrowers and lenders.
H100 / H200 Depreciation Rate
How fast do H100 GPUs depreciate? Current-generation GPUs like H100 SXM follow an exponential decay curve with a ~20-month half-life. Value drops 40-60% in the first 24 months after purchase.
GPU Collateral Valuation
Lenders typically apply 50-70% LTV ratios to GPU collateral, with 12-15% interest rates to account for rapid depreciation. UCC lien GPU equipment financing requires regular reappraisals.
GPU Lease Buyout Value
At lease end, buyout values typically range from 10-25% of original cost. Use this calculator to estimate GPU residual value and determine if lease buyout or return makes financial sense.
Frequently Asked Questions
How do GPU-backed loans work?
GPU-backed loans use datacenter GPU hardware (H100, A100, B200) as collateral. Lenders perfect a UCC lien on the equipment and advance 50-70% of current market value. Monthly principal payments typically match or exceed the GPU depreciation rate to maintain LTV ratios.
What is the H100 residual value after 24 months?
Based on current market data, H100 SXM GPUs retain approximately 40-50% of their original purchase price after 24 months. This varies based on new generation releases (B200, B100) and secondary market demand for AI training capacity.
Model Calculation Disclaimer
These calculations use simplified models of complex market realities. Assumptions about future conditions are inherently uncertain. Small changes in input parameters can significantly affect outputs. Always verify results with qualified professionals.
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