Nvidia Corp (NASDAQ: NVDA) extended payment terms for certain investment-grade customers from 45 days to 60 days, a strategic shift aimed at removing financial bottlenecks in artificial intelligence deployment. This move underscores the chipmaker’s evolving role beyond hardware supply into financing the broader AI ecosystem.

The adjustment was disclosed during the company’s recent earnings call, where Chief Financial Officer Colette Kress explained that the change in days sales outstanding reflects "extended payment terms for large purchases by certain investment-grade customers to be shipped over multiple quarters."

Financing the AI Ecosystem

Nvidia’s strategy involves addressing capital constraints that frontier AI labs face, which Kress noted are growing faster than their balance sheets and credit profiles can support. To bridge this gap, the company has implemented several initiatives:

• Invested nearly $50 billion in frontier AI labs.
• Partnered with Apollo Global Management, BlackRock, Blackstone, Brookfield, Goldman Sachs, and KKR to help raise more than $500 billion in third-party infrastructure capital.
• Introduced revenue-sharing arrangements with minimum revenue guarantees for NeoCloud operators to facilitate lender financing.
• Selectively offered credit enhancement for specific AI infrastructure projects.

Kress rejected criticism that these efforts constitute "circular financing," arguing that Nvidia is supporting critical technology while limiting financial risk due to the durability and redeployability of its computing infrastructure.

Divergent Views on AI Pace

The financial push contrasts with comments from Microsoft Corp (NASDAQ: MSFT) co-founder Bill Gates, who recently stated he would support a credible plan to slow AI advances globally. Gates argued that society is unprepared for the economic and social disruption AI will bring, describing the transition as potentially one of the most turbulent periods in human history.

However, Gates acknowledged that geopolitical and economic incentives are driving the industry to proceed at full speed. Nvidia’s actions reflect these incentives, positioning the company as a central enabler of AI infrastructure growth despite calls for caution.

What the Numbers Show

The extension of payment terms indicates that access to capital, rather than technological capability or customer demand, is currently the primary constraint on AI infrastructure expansion. By absorbing some of the financing burden through extended credit and partnerships, Nvidia is effectively monetizing its market dominance by becoming a de facto financier for its largest customers.

CNBC host Jim Cramer is urging investors to hold Nvidia Corp. (NASDAQ: NVDA) shares following the chipmaker’s second-quarter fiscal 2027 earnings beat. He warned against selling into post-earnings volatility, citing robust underlying fundamentals and sustained artificial intelligence infrastructure demand.

Earnings Performance

Nvidia reported fiscal second-quarter revenue of $96.22 billion, representing a 106% year-over-year increase. The result comfortably exceeded Wall Street consensus estimates. Data center revenue accounted for the bulk of this growth, reaching $89.0 billion.

What the Numbers Show

The concentration of revenue in the data center segment highlights Nvidia’s dependency on AI infrastructure buildouts. With data center sales constituting approximately 92% of total reported revenue ($89.0 billion of $96.22 billion), the company’s financial performance is tightly coupled with enterprise capital expenditure cycles in computing.

Market Reaction and Commentary

Despite the strong results, premarket trading saw selling pressure. Cramer noted persistent selling activity between $225 and $223 per share in the early morning session. He argued that investors should focus on the operational reality rather than short-term price action.

Cramer highlighted comments from CEO Jensen Huang, who stated that customers are currently generating significant profits using Nvidia hardware and software. This profitability for end-users was cited as the primary driver of continued demand.

AI Infrastructure Outlook

Jensen Huang described the global AI infrastructure buildout as operating at "full steam." He rejected notions of peaking demand, stating that compute has become a direct revenue generator for enterprises. Huang also emphasized the broader economic impact, noting that the complex supply chain requirements for AI factories are creating substantial job growth across the United States and globally.

Cramer directed investors to review Huang’s commentary on job growth, framing it as evidence of the sector’s tangible economic contribution.

Stock Performance

Nvidia shares closed at $209.66 on Wednesday, down 1.59%. In premarket trading on Thursday, the stock rose 5.80%. Year-to-date in 2026, NVDA shares have gained 12.42%, with a 15.34% advance over the last year.