IP based lending

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

To have this Sollomon report in terms of your introduction to IP is really useful. It’s a very sophisticated tool and I can appreciate how much work went into it to be able to create what the Inngot team have created. But also the customer service and support have been great.

The Inngot IP valuation for Sam Pearce Design was very useful. It gave us confidence while planning our pitches to potential investors, which have been very successful. Once we move to the due diligence stage, we plan to share the Inngot document as part of that process.

We’re a business with no fixed assets, but a lot of IP in our database and other intangibles, like supplier relationships. The idea of using IP-based finance was new to us – it wasn’t on our radar until HSBC suggested it, but we very quickly switched on to it when they brought it up.

We use Inngot’s IP audit a lot. Since getting Inngot’s audit, we have filed for a trade mark, we have implemented a trade secrets register and policy, we’ve created an IP strategy, and I have been appointed IP manager for the company. Inngot gave us professional advice and training to do all that.

The tools are very useful if you’re starting a business and trying to evaluate your IP. I don’t know any other company that provides a service like this and I would recommend it. It definitely helped bring our attention to certain parts of our IP and intangible portfolio.

As our US parent company has been established 10 years and has a solid and well-protected patent portfolio, we’re in a good position on that front. Where the IP really helped was on trade marks – it identified the fact that we can file for trade marks in the UK and Europe that we can’t get in the US yet – and on trade secrets.

We conducted the valuation because BDO is helping us set up a new international corporate structure, carving Stream out from VAT IT Group. We needed to find out exactly what the IP relating to Stream was and what it might be worth so the new company could buy it.

BDO has worked with Inngot in a number of circumstances, and has found that the platform for valuing IP is a great support to businesses that need an understanding of the value of their IP for commercial purposes. The team are insightful and easy to work with, providing pragmatic, clear, high quality output at a reasonable price.

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.

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Business advisors and consultants Inngot partners

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.

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WIPO and Intangible Asset Finance:

Moving Intangible Asset Finance from the Margins to the Mainstream

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Who can apply for an IP-based loan?

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?

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HSBC Growth Lending

Helping Scale-ups grow

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.

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HSBC Growth Lending

Amount: Our Growth Lending is a new £250m pool of assets to support high-growth, loss-making tech scale-ups that are supported by strong equity backing, have a proven sales track record, and a clear path to profitability.

Targets: Technology-driven growth businesses

Preferred report: Sollomon

Featured lender

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What are the main criteria for an IP-based loan?

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.

What does IP-based finance typically involve?

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.

Which lenders can I talk to about an IP-based loan?

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.

What’s special about Inngot’s reports compared with other valuations?

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.

How does Inngot support the IP-based lending process?

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.

Can I discuss IP-lending with someone at Inngot?

Yes, of course! You can call us on +(44) 333 800 8090, book a call or email us via our contact page.