Picture this: The AI financing boom shakes up credit markets

The AI theme in credit markets is evolving rapidly, with new financing packages often providing better compensation for risk.

25 Aug 2026

1 minute

Darpan Harar
Justin Jewell

Ninety One’s Multi Asset Credit team explains how the AI investment theme has extended far beyond ‘hyperscaler’ issuance, with new financing packages often providing better compensation for exposure to the same underlying company risk. In the current environment, the ability to navigate this complexity and the freedom to invest dynamically across a wide opportunity set carry distinct advantages.

The chart


A broadening range of AI-related credit instruments means there are multiple ways to provide capital to the same underlying companies. But structures and spreads vary significantly.

Your chart will be shown here

Source: Bloomberg, ICE BofA and JPMorgan. August 2026.

The context

The rise of artificial intelligence (AI) has dominated financial market headlines for months, with the seemingly unstoppable equity rally sparking valuation-bubble concerns while intensifying fears over market concentration. But AI is an altogether different story for the credit asset class.

While cashflows and reserves have financed much of the recent AI-related capital expenditure, tech companies are increasingly turning to credit markets for funding, resulting in an accelerated pace of credit issuance – with 2025 already setting records. As this issuance is investment grade and dominated by highly rated, cash-generative issuers, credit quality is not a key concern here. But the supply/demand balance is tipping.

For several years, the combination of reduced new issuance (after the records set in 2020) and strong investor demand – thanks to the high yields on offer – has provided a strong ‘technical’ support for the overall market. But both factors look set to shift: tech-sector issuance will increase supply, while a fall in yields may temper demand, as noted here. Combine this with credit spreads that have been anchored at historically low levels, and investors should brace for relativity higher credit spread volatility in the major US investment-grade credit market, regardless of the fact that these are good quality issuers.

The conclusion

With a shift in volatility regime likely in the investment-grade market, investors should take a bottom-up approach and look to capitalise on mispriced risk opportunities. Investors with the flexibility to explore the wider credit market universe can find a more favourable technical backdrop in specialist segments such as the loan market, bank capital, and select parts of the high-yield market.

Authored by

Jeannie Dumas

Head of Communications ex-Africa

Laura Henderson

Communications Manager
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