Oracle is funding a massive AI data center expansion through debt to support a major contract with OpenAI. This borrowing scale is straining financial markets as some lenders reach their single-company exposure limits.

A recent $16.3 billion financing package for a Michigan data center required PIMCO as an anchor investor after U.S. banks showed hesitation.

Investors are cautious due to Oracle’s weaker financial position compared to big-tech rivals and its heavy reliance on OpenAI. There are additional concerns that massive capital expenditures may not generate near-term profitability.