Get a business loan using your
The Inngot online toolkit profiles and values your IP so banks can lend against it
The three steps to IP lending
Inngot - your lending partner
Goldseam® IP profile, Sollomon® IP valuation and Hallmarq™ collateral suitability check
Inngot's reports are used by a growing number of lenders to establish IP value to inform the credit decision process. That's because they recognise that the most valuable assets growth businesses have are the intellectual property and intangible assets (IP) that they create and own.
Unlock the value in your IP!
What is IP-based lending?
Your IP and intangible assets are valuable. IP-based lending allows you to use that value as security for finance
IP-based lending secures the loan using 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 raise the funds you need for growth, rather than giving away shares in your company.
How does IP-based lending work?
Generally, a lender will take a charge over your IP
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 their income streams can apply for an IP-based loan
The main condition all lenders will apply is that your IP needs to be in active use, supporting current sales of your products or services. The types of IP that can be considered vary according to the lender’s policies, but the ones we deal with won’t require you to have granted or pending patents – trade marks, designs and revenue-producing copyright materials can all be acceptable.
Many bank loans involve taking a security interest (in the UK, 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 to offer you a loan, and how much you can borrow. As intangible value can’t be determined from your accounts, specialist assessment and valuation is always required to do this, and we are the experts.
The number of lenders taking an active 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 on the current status of your lender.
Inngot is the only company to have built online systems that deal specifically with lender requirements. Our profiling, assessment and valuation reports give banks 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 their consideration of the IP-specific aspects, pinpointing and valuing the 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 standardised, consistent methods of profiling, assessment and valuation to produce all the reports you will need to share with an IP-based lender.
Inngot's toolkit has helped businesses around the world
Identify and unlock
previously hidden assets
in IP value
Raise up to
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
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.
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.