Neocloud builder

The deck the builder prints, slide by slide: the outline lenders and investors read, with every number from your plan. See it on the default plan.

1. Cover. The company, the cluster, the site and the date.
2. The opportunity. What the GPUs rent for in the public market, and what the cluster earns a year.
3. Customers and offtake. The contract (share, price, firm term, value), the customer, and the on-demand plan.
4. The cluster and the site. Bill of materials, power, the metro and its GPU-ready colocation.
5. Unit economics. One month of revenue, costs and debt service, margin and cost per GPU-hour.
6. The financing ask. Loan, equity, rate and term, with sources and uses.
7. Coverage and the downside case. DSCR by year against the lender minimum; the downside and contract-only cases.
8. Returns and resale. Payback, equity IRR, and what the servers are worth when the loan ends.
9. Team. Who owns engineering, platform, sales and finance, and the operating history.
10. Next steps. What is in hand, what is still needed, and the timeline to first revenue.

The plan is the neocloud business plan model: month 0 is closing (equity, fee and reserve in), a level loan payment from month 1, colocation and staff from month 1 and revenue after the ramp. Contracted GPUs bill every hour for the contract term, then sell on demand; on-demand GPUs bill a share of hours at a price that falls each year. EBITDA is revenue less colocation and staff; DSCR is EBITDA over the loan payment. The downside case cuts the on-demand price 30% and hours billed by 20 points; “contract only” drops on-demand revenue, as lenders do when they size the loan. Lender minimum DSCR and advance rates by customer come from the Neocloud Credit Score; loan rates from public GPU deals (October 10, 2026).

Hardware, networking, power and contract presets are ballparks from vendor quotes and rental deals (October 2026). GPU-ready colocation is our colocation directory: facilities with liquid cooling, 30 kW or more per rack, or marketed for GPU or AI use, each from a public source. Per-kW prices are CBRE and Colliers surveys, rate cards and planning ranges from colocation pricing. On-demand list prices are from providers’ public pricing pages, checked October 17, 2026. Resale at the end of the loan uses the conservative and moderate bands in GPU Residual Value: Underwriting a $3 Trillion Opportunity (June 2026). The readiness checklist is the financing application’s own list of items on financing.amcompute.com.

Residual value insurance, when on, insures 50% of the servers’ expected resale value at the end of the loan (the middle of the conservative band); the premium is modeled at 15% of the insured value, the top of an illustrative 10-15% range (October 2026), and financed with the hardware. Lenders test coverage on contract revenue while the contract runs; a loan that runs past it passes only when the insured value covers the balance left when the contract ends. On the default plan with a 36-month loan and a 24-month contract, contract-only DSCR is 1.64x and $1.41M is left at month 27: a fail without RVI, covered with $1.47M insured.

Updated October 17, 2026. Illustrative, not a quote or an offer of financing; before taxes. Financing comes from American Compute’s lending partners, who make every credit decision.