Use your intellectual property
to get a business loan
Until today, lenders haven't been able to give your IP credit as they could not easily value it
That’s all changing with IP-based lending
The Inngot online toolkit makes it simple, fast and affordable to map and value your IP so banks can lend against it - raise the funds you need!
- Designed by experts; recommended by banks
- Built with Innovate UK backing
- Cost-effective and practical for all businesses
- Generate instant IP valuation reports trusted by lenders
- Assess your IP's suitability for lending in just 15 minutes
We can also provide introductions to approved IP-based lenders

Finance partners













The three steps to IP lending


Identify & document your IP
Uncover all the IP you own using our FREE online tool Goldseam


Value your IP & intangibles
Accurately quantify and demonstrate the true value of your IP using our online tool Sollomon


Raise IP based finance
Use your approved IP valuation in finance applications with lenders, or use it to enhance investment pitches and strengthen negotiations
What is IP-based lending?
Your IP and intangibles assets are valuable, and IP-based lending allows you to use that value as collateral to get the funds your company needs
IP-based lending secures the loan using the value in your intellectual property and intangible assets as an alternative to physical collateral or personal guarantees.
The real appeal for IP-rich companies is that you can use your IP to get funds, rather than giving aware shares in your company.
More and more lenders are making IP-lending part of their asset financing offerings. Lenders know that companies with strong IP make good lending prospects.


Video courtesy WIPO
How does IP-based lending work?
Generally, a lender will take a charge or a pledge over the IP in question, although some prefer a sale and license or lease-back arrangement
The kind of deals on offer from lenders can vary widely, depending on their chosen lending product and the rules that apply in different countries.
Companies wanting to take advantage of IP-based lending will need to be able to show the value of their IP to their day-to-day operations.
Inngot’s IP toolkit makes identifying and valuing IP simple and affordable for all businesses and is accepted by leading lenders as the ‘gold standard’ in IP valuation.
WIPO and Intangible Asset Finance:
Moving Intangible Asset Finance from the Margins to the Mainstream

Who can apply for an IP-based loan?
Companies with IP and intangibles that are genuinely core to income streams can apply for an IP-based loan
If you can answer yes to some of these qualifying questions an IP-based loan might be the solution for you:
- Do you have registered or unregistered rights, trade secrets or a bank of know-how that is core to your business?
- Can you show existing or future revenue from clients or customers?
- Have you secured external funding from investors, accelerators or grants?
- Can you afford the loan repayments?



HSBC Growth Lending
UK scale-ups are the fastest growth area in the economy, contributing 33% of GDP, according to the ONS. We estimate that 30% of these are tech firms and we want to help them grow.
Hover for more information
HSBC Growth Lending
Targets: Technology-driven growth businesses
Preferred report: Sollomon
Featured lender
Inngot’s Sollomon® valuation reports are used by banks and lenders as validation of IP value in the lending process
The value of most businesses is in the intellectual property and intangible assets (IP) that you create and own.
Our dedicated experts have 100+ years of combined experience, with expertise in business support, IP management, protection, and commercialisation gained from scaling and advising IP-rich businesses and academia.
Unlock the value in your IP!
Quick answers
The main requirement is that your IP needs to be in use, supporting current sales of products or services. The types of IP that are eligible vary according to the lender’s policies, but generally it isn’t necessary for you to have granted or pending patents – trade marks, designs, revenue-producing copyright materials and even trade secrets may all be acceptable.
Bank loans often include a security interest (a charge) over your IP and intangible assets. The difference with IP-based finance is that the lender gives active consideration to the strength, importance and value of these assets when determining whether you offer you a loan, and how much. As these things can’t be determined from your accounts, specialist assessment and valuation is required, which is our speciality.
The number of lenders that are taking an interest in IP is growing all the time. Give us a call or send us an e-mail telling us who you currently bank with, and we’ll advise the status of your lender.
Inngot is the only company to have built online systems that specifically deal with lender requirements. Our profiling, assessment and valuation reports give lenders all the key information they need in a consistent, convenient format, and none of the ‘flab’ they don’t. We don’t presume to tell banks how to do their job; instead, we facilitate the IP-specific aspects, highlighting areas that may need further investigation, and pinpointing any assets that can be used as security.
To apply for an IP-based loan, you need to be able to explain what IP you own, why it might make good security for lending, and how much it is worth. Inngot is not a finance provider or broker; our role is to provide a standardised, consistent methods of profiling, assessment and valuation to produce all the reports you will need to share with a prospective lender.
Yes, of course! You can call us on +(44) 333 800 8090, book a call or email us via our contact page.
Inngot's toolkit has helped businesses around the world

Identify and unlock
28,000+
previously hidden assets
Demonstrate
$1.4 billion
in IP value
Raise up to
$5 million
finance per company
Tools to help you secure IP finance
Use our online toolkit and custom services to get a detailed understanding of your IP and intangibles
ONLINE TOOL
1. Discover your IP and intangibles for FREE
Identify and uncover your IP with Goldseam®
Inngot’s FREE online tool Goldseam is the fastest and easiest way to identify, describe and document your company's IP rights and other identifiable intangibles.



ONLINE TOOL
2. Easily value your IP and intangibles
Generate an instant IP valuation report
Our unique online tool Sollomon® allows you to value your IP at a fraction of the cost of traditional IP valuations in line with recognised international standards.
Fully integrated with Goldseam, Sollomon is simple and intuitive for any trading business to use.