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Bank of America Extends $520M Loan to OpenAI Ahead of IPO

Bank of America (BAC) has extended a $520 million credit line to OpenAI, its first loan to the AI company as it prepares for an initial public offering, according to a source familiar with the matter. The loan makes BofA one of OpenAI's largest lenders and strengthens its position as a market leader in AI-related capital markets financing.

July 8, 2026
2 min read
Source: Reuters
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Key Numbers

loan amount
520M
total ai capital raised
500B
market share
60%

Bank of America (BAC) has extended a $520 million credit line to OpenAI, its first loan to the AI company as it prepares for an initial public offering, according to a person familiar with the matter who requested anonymity.

Loan Details

The loan represents BofA's first credit facility to OpenAI and makes it one of the company's largest lenders. The financing comes as OpenAI gears up for its IPO, which could boost the company's valuation and investor appeal.

Context

Since 2025, Bank of America has helped raise nearly $500 billion in capital for AI-related companies, accounting for 60% of such fundraising across investment-grade debt, leveraged finance, and equity capital markets, according to internal data seen by Reuters.

What This Means for Investors

The loan reinforces Bank of America's credentials as a leading bank in AI financing, potentially boosting its investment banking fee income. It also signals the bank's confidence in OpenAI's future prospects as it approaches its public offering.

Frequently Asked Questions

The loan is worth $520 million, marking BofA's first credit facility to OpenAI.

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This article was rewritten in Wrqti's editorial style based on information from the original source above. Content is informational only — not investment advice.