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The Desk — Executive Summary

The Capex and the Collateral: How the AI Build-Out Is Being Financed, and Where the Risk Actually Sits

The capital funding AI infrastructure has shifted from equity to debt — making AI the single largest sector in U.S. investment grade. But 'AI debt' is two exposures wearing one label, and only the smaller, AI-revenue-dependent slice is genuinely at risk if the narrative breaks. That fragile slice sits in the least liquid, least visible vehicles: private credit, increasingly held on insurance balance sheets. This analysis maps the gradient of exposure — and where a wobble would actually transmit.

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