IP Finance: Using Intellectual Property as Loan Collateral
26 Sept 2025
Author
Martin Croft
PR & Communications Manager
Corporate intangible assets hit a record value of $80 trillion globally in 2024, but IP-rich businesses around the world can’t borrow the money they need to scale up because they don’t have the tangible assets most banks demand as collateral.
In the UK alone, scaleup businesses faced a £15 billion annual funding gap in 2020; and that gap can only have grown in the five years since then.
IP finance can address this gap by enabling companies to use their patents, software, trademarks, and other intellectual property as loan collateral or security for bank borrowing. That can help growing companies facing the scale-up gap avoid either going down the equity route, which can be expensive and also may involve surrendering significant control of their business, or selling the IP that’s at the heart of their growth.
The UK is well advanced in terms of IP-backed finance. Both HSBC and NatWest offer lending products which take the value of IP into account, supported by Inngot's online valuation platform that reduces IP assessment time from months to days at significantly lower cost than traditional in-person valuations.
Research from the British Business Bank and the UK’s Intellectual Property Office clearly shows that IP-rich firms are better loan prospects than companies without IP. The study found IP-owning companies had 40% lower default rates and 50% lower losses from default compared to borrowers without IP, making intellectual property an attractive asset class for lenders focussed on high-growth companies in the knowledge economy to take security over.
The UK IP finance opportunity
The UK’s IP-intensive industries generate £300 billion annually according to Government figures, representing over 25% of UK economic output. However, according to a report from WIPO and the UK IPO, 95% of businesses with intellectual property have never considered using these assets for financing.
Traditional lending models focus on physical assets, despite intangible assets now comprising 70-80% of typical UK firm value, according to an OECD report. This creates a funding gap where revenue generating, growing companies cannot access capital because their core company value is driven by intangible assets such as patents, trade marks, copyright, designs, data, and software, rather than physical assets.
The UK government addressed this issue in its 2025 Industrial Strategy, committing to "tackle barriers for IP-rich sectors" and "explore how to help businesses raise debt finance secured on intangible assets." This is on top of the UK’s Intellectual Property Office forming an IP Finance Advisory Group, which includes Inngot’s CEO Martin Brassell as well as key figures from both HSBC and NatWest.
UK businesses now invest £200 billion annually in intangible assets, £32.4 billion higher than investment in tangible assets such as machinery and buildings, according to Office for National Statistics data. Manufacturing leads this intangibles trend with 48.7% of investment going to research and development. This shift reflects the modern economy where most 21st century companies are IP-rich; yet traditional lending, still reliant on accountings standards developed in the 19th and 20th centuries when tangible assets drove value, is taking time to adapt to this reality.
But IP finance lending products are growing rapidly. Global estimates range from conservative projections of $1.1 billion growing to $2.4 billion by 2032 to more optimistic forecasts of $22.4 billion reaching $75.4 billion by 2031, depending on methodology.
China processed $58.8 billion in IP-pledged financing loans in the first half of 2024 alone, representing a 57% increase year-over-year. China’s Hong Kong Special Administrative Region has just announced it plans to launch an IP-finance ‘sandbox’ in 2026, while Malaysian development bank MIDF, with the backing of the Malaysian Government and WIPO, has announced it plans to do the same.
Meanwhile, the UK has announced plans in The UK’s Modern Industrial Strategy to establish robust valuation standards and risk assessment frameworks to support sustainable IP-backed finance market development.
Online IP valuation makes financing accessible for SMEs and scaleups
Traditional IP valuation costs tens of thousands of pounds and takes months to complete, making it impractical and too costly for the SMEs that need it most. That’s why most IP-backed finance deals to date have been for enterprise-level companies and multinational borrowing millions or tens of millions of pounds – and have cost £10,000 or more and taken months of consulting work.
Inngot's Sollomon® tool was designed to solve this cost/time challenge for smaller companies by providing online IP valuation. Sollomon can deliver accurate IP valuations which leading banks rely on for as little as £795. And with results available within days, rather than months, SMEs with the right kind of IP can get bank loans quickly and at competitive rates, using their IP as collateral.
The Sollomon platform uses three internationally recognised valuation approaches depending on asset type and context.
The cost approach establishes minimum value based on development and replacement costs, particularly useful for early-stage technology without proven markets.
The market approach compares similar IP transactions using databases like RoyaltyRange to determine fair market value based on actual deals.
The income approach, most commonly used for revenue-generating IP, calculates net present value of future cash flows using discounted cash flow analysis, relief from royalty methods, or earnings capitalisation.
Sollomon integrates with Inngot's broader IP management tool, Goldseam®, which allows users (usually company finance directors, founders, or business advisors) to easily identify over 80 types of intangible assets without requiring specialist knowledge.
Once a Sollomon valuation has been confirmed by Inngot’s in-house experts, it can be fed into the Hallmarq collateral suitability checking tool, which evaluates the core IP’s separability, saleability, and legal strength to show a lender that firstly there is valuable IP behind a company’s success and secondly that the lender can easily take security over it.
Inngot’s online tools are integrated so there is a smooth flow from intangible asset identification through valuation to collateral assessment that provides banks with comprehensive assessment at reduced cost and timeframe.
NatWest: the first IP-backed loan at scale to use IP as collateral
NatWest launched the UK's first mass-market IP-backed lending product that took security over IP as collateral in January 2024, offering loans from £250,000 to £10 million, representing up to 50% of qualified IP value found by Inngot’s tools.
The bank partnered with Inngot to provide standardised valuation and monitoring services, enabling assessment of software, patents, trademarks, and other intangible assets, as well as ongoing monitoring of the value of IP taken as collateral This monitoring not only flags potential problems to NatWest, it also highlights cases where IP has actually increased in value – the loan includes the option to borrow more if IP value grows, which a number of clients have taken advantage of.
The program's early results demonstrate practical viability.
Sci-Net became the first company to secure NatWest's IP-backed loan, obtaining £700,000 using its proprietary business management software as collateral. The B2B software company, which serves clients including Tapi Carpets and Missoma, used the funding to accelerate growth without equity dilution. The loan was processed efficiently using Inngot's valuation toolkit, proving the concept works for mainstream software businesses. Read the full case study
SixFive Networks secured £1 million against its AI-driven mobile messaging routing technology platform to support expansion across 180 countries. The mobile communications company's intellectual property, including patents and proprietary algorithms, provided sufficient collateral value for significant growth capital. This case demonstrates how IP finance works for technology companies with global ambitions. See case study here
Open Bionics leveraged its Hero Arm prosthetic IP portfolio for £600,000 in expansion capital. The medical devices company's innovative prosthetics technology, protected by patents and design rights, enabled access to funding that would have been difficult to secure through traditional lending due to the lack of physical assets. See case study here
Ripstone Games obtained £600,000 with a one-year capital repayment holiday aligned with industry development cycles. The gaming company's IP portfolio, including copyright in games and associated trademarks, provided collateral for growth funding structured to match the business model of game development and release cycles. See case study here
Benefits for lenders and borrowers
For lenders, IP finance offers several advantages over traditional lending models. IP risk is not correlated with other asset classes like property or vehicles, helping banks diversify and spread risk across their portfolios. IP-owning companies perform better financially and represent lower lending risk. When businesses do face difficulties, IP assets are fundamental to successful resolution since they often represent the core value of modern companies.
Investigating IP also provides banks with information that company accounts typically omit. Accounting regulations provide limited scope for recognising intangible asset investment, so IP valuation reveals what companies have spent money developing and their true substance. This enhanced due diligence supports better credit decisions.
For borrowers, IP finance addresses longstanding frustrations with traditional lending. It recognises the investment that growth companies make in intangibles, providing access to non-dilutive growth capital without selling equity shares. The product works regardless of how IP features in company accounts, since valuation focuses on economic benefit rather than accounting treatment.
IP-backed loans are competitively priced, often cheaper than mezzanine or venture debt, and do not require warrants. Businesses can access a one-year capital repayment holiday to improve debt serviceability. Most importantly for directors, IP security typically eliminates the need for personal guarantees since management teams are already personally invested in their business's intellectual property.
Performance data supports the lending model's viability. A 2018 UK IPO/British Business Bank study analysing over 20,000 loans backed by the Enterprise Finance Guarantee found firms with registered IP demonstrated 38% lower probability of default and 50% lower losses given default compared to peers without intellectual property. The research showed this applied across all IP types, with patent holders showing 6% default rates compared to 16% for the total sample.
This superior performance reflects several factors that make IP-owning companies attractive to lenders. IP-intensive firms are more resilient through economic cycles, grow faster, enjoy increased productivity, export more, and fail less often. Since IP is central to a firm's competitive advantage, founders and investors are highly motivated to protect these assets.
Policy developments around the globe demonstrate the growth of IP-backed finance
The Moveable Transactions (Scotland) Act 2023, which came into force on April 1st, 2025, modernises security creation over contractual rights including intellectual property, aligning Scottish law with international best practices.
The European Investment Bank allocated €76.6 billion in 2024 lending that explicitly includes intangible asset financing for SMEs and mid-caps.
WIPO launched a major initiative to push IP finance globally in 2022, with annual events and a range of projects launched. As WIPO Director General Daren Tang said at the 2025 annual IP Finance Dialogue, the global IP organisation, part of the United Nations, recognises that "intangible assets are too valuable to overlook and too powerful to be left on the sidelines". The organisation's country report series covers developments in IP-backed finance from a dozen or more countries, including the UK, Singapore, and Japan, providing useful reference points for jurisdictions developing their own IP finance systems.
China targeted 1 trillion yuan ($137 billion) in IP-backed financing by end-2024, demonstrating how government policy can scale markets rapidly.
The USPTO aimed to increase patent examiner hiring by 1,500 positions in 2025 to handle growing IP registration volumes driven partly by financing requirements.
International accounting standards bodies are addressing intangible asset recognition challenges, with IFRS Foundation's Tim Craig noting that current standards "might not be suitable for companies operating in the digital age."
Policy developments such as these create supportive environments where IP finance can develop effectively. Regulatory clarity reduces lender uncertainty, government guarantees mitigate risk during market development phases, and international coordination enables sharing of best practices across jurisdictions.
Risk assessment and management
IP-backed lending involves specific risks that require specialised evaluation beyond traditional credit analysis.
Validity risks include potential patent invalidation through prior art challenges, trade mark cancellation proceedings, and copyright disputes that could eliminate collateral value.
Enforceability challenges arise from jurisdictional limitations, inadequate protection strategies, and weak claim construction that might prevent effective asset recovery.
Market risks include technology obsolescence, competitive substitution, and economic sensitivity that can affect IP value more significantly than physical assets.
Due diligence processes should address these concerns through comprehensive three-phase assessments.
Phase one identifies and inventories all IP assets, verifying ownership chains and documenting registration status across relevant jurisdictions.
Phase two conducts legal and technical assessments including freedom-to-operate analyses, infringement exposure evaluation, and review of licensing agreements.
Phase three applies commercial valuation using appropriate methodologies whilst determining risk-adjusted discount rates and revenue attribution models.
Insurance products increasingly are available to protect IP value, which can help support IP finance transactions.
IP infringement defense insurance protects borrowers against litigation costs that could impair repayment capacity.
Abatement insurance covers patent invalidation risks, maintaining collateral value even if individual patents fail.
Key person insurance addresses inventor dependency for technology-driven IP portfolios.
Transaction insurance supports M&A deals involving significant IP components by covering representation and warranty issues.
Collateral Protection Insurance may be available for IP, in the same way that it is available for tangible assets such as property.
Risk mitigation strategies for lenders can also include:
Portfolio diversification requirements preventing over-concentration in single technologies or markets
Minimum remaining patent life thresholds ensuring adequate security duration
Ongoing monitoring through annual revaluations and competitive landscape surveillance.
These frameworks help transform IP from speculative assets into reliable collateral supporting sustainable lending programmes.
Bridging the scale-up funding gap
Traditional lending has failed to serve the UK's fastest-growing companies. Scale-ups typically invest 75% of their capital in intangible assets according to European Investment Bank research, yet banks have historically only lent against physical collateral. This mismatch leaves profitable, innovative companies unable to access debt finance despite having substantial value locked in their intellectual property.
The problem is particularly acute for companies between startup and mature business phases. Early-stage ventures can access venture capital, whilst established firms with strong cash flows and physical assets can secure traditional loans. Scale-ups fall into a funding gap where they are growing rapidly but lack the tangible security that banks traditionally require.
NatWest's IP finance proposition, powered by Inngot's toolkit, addresses this market failure by making IP-backed lending accessible to mainstream businesses. Previously, IP finance was limited to large organisations that could afford complex valuations costing tens of thousands of pounds. Banks would only engage with these substantial deals because the economics worked for major transactions.
Inngot's valuation process, which can be completed online in as little as a few hours, democratises access to IP finance. This cost reduction of as much as 90% (or more) compared to traditional methods enables banks to serve SMEs and scale-ups economically. The standardised approach also reduces lender risk by providing consistent, professional assessments across all transactions.
The popularity of the Inngot toolkit demonstrates the market demand. Companies across diverse sectors including software, gaming, cleantech, advanced manufacturing, mobile communications, and medical devices have successfully accessed IP-backed loans. This breadth shows that intellectual property value exists across the economy, not just in traditional technology sectors.
IP finance success stories
Real-world examples demonstrate how IP-backed lending transforms business growth across different sectors and loan sizes.
Northcoders secured a substantial £1.5 million finance facility through NatWest's IP-backed lending programme, representing one of the larger transactions in the sector. The coding bootcamp and tech education company used its proprietary training methodologies and educational IP as collateral, demonstrating how service-based businesses with strong intellectual property can access significant growth capital. Read the full case study
Utelize Mobile leveraged the value in its intellectual property to secure a £600,000 loan from NatWest, supported by Inngot's online IP platform. This mobile technology company's case illustrates how businesses in the competitive mobile sector can use their proprietary technology and software as effective collateral for substantial lending facilities. Read the full case study
EarthSense used its comprehensive air quality solutions IP stack to secure a £264,000 IP-backed loan from NatWest. This environmental technology company's success shows how cleantech businesses with innovative monitoring and sensing technologies can access growth funding by utilising their intellectual property portfolios as collateral. Read the full case study
LoveAdmin utilised its IP value to secure £250,000 in NatWest financing with support from Inngot's online IP platform. This business management software company demonstrates how SaaS providers can leverage their proprietary software solutions and customer relationship systems as valuable collateral for business expansion funding. Read the full case study
Hike SEO secured £250,000 in NatWest financing by using its IP value as collateral, supported by Inngot's online platform. This digital marketing and SEO services company's case shows how technology service providers can access growth capital by leveraging their proprietary algorithms, software tools, and methodologies. Read the full case study
Propello Cloud used its IP value to secure a £250,000 NatWest loan with Inngot's platform support. This cloud services company's success demonstrates how businesses operating in competitive technology markets can differentiate themselves to lenders by showcasing the tangible value locked within their proprietary systems and technologies. Read the full case study
Nimbus became the first client to be referred by a finance broker for a NatWest IP-backed loan using its proprietary IP as collateral. This milestone case study illustrates how the IP finance market has evolved to include intermediary support, with finance brokers now actively identifying and referring suitable clients for IP-backed lending solutions. Read the full case study
Glasswall obtained a £5 million finance package from HSBC, underpinned by Inngot’s IP valuation platform. This cybersecurity specialist’s case highlights how companies delivering cutting-edge content disarm and file security solutions can access significant funding by demonstrating the robust value of their proprietary technologies and innovation portfolios. Read the full case study
Yoti secured a £12.5 million debt funding package from HSBC, supported by the value of its intellectual property as assessed through Inngot. This digital identity verification company demonstrated how firms in the fast-growing identity and security sector can unlock substantial growth finance by leveraging their proprietary platforms, algorithms, and trust frameworks as effective collateral. Read the full case study
These examples span education technology, mobile solutions, environmental monitoring, business software, digital marketing, cloud services, and broker-facilitated transactions. The range of loan amounts from £250,000 to £12.5 million demonstrates that IP finance works effectively across different business sizes and sectors, providing flexible funding solutions for companies with valuable intellectual property assets.
How to access IP finance: A step-by-step guide with Inngot
Understanding how to navigate the IP finance process can help businesses unlock the value in their intellectual property assets. Inngot's online platform simplifies this journey through three integrated tools that build upon each other to demonstrate your IP's value to lenders.
Step one: Profile your IP with Goldseam®
Begin by using Inngot's free Goldseam tool to identify and map all your intellectual property and intangible assets. This online profiling tool guides you step-by-step through discovering over 80 different types of intangible assets your organisation owns and uses, whether you're new to IP or an expert. The platform combines instant access to national and international records on patents and trade marks with a unique intangible asset discovery system that makes creating your IP portfolio as simple as 'drag and drop'. This secure 15-minute process acts as a personalised mini-audit, helping you understand the full scope of your IP wealth—not just registered rights like patents and trade marks, but also unregistered assets such as proprietary software, trade secrets, customer databases, and unique business methodologies. Goldseam has been developed over 13 years and is trusted by major banks, investors, and business advisors as the gold standard in IP profiling.
Step two: Value your IP with Sollomon®
Once you've completed your Goldseam profile, proceed to Sollomon, the world's first online IP valuation tool. This tool generates an instant valuation for your intellectual property at a fraction of the cost of traditional custom IP valuations. Fully integrated with your Goldseam profile, Sollomon uses the relief from royalty valuation method to generate three income-based calculations: a risk-weighted analysis of your own forecasts, an estimate based on average growth rates within your sector, and a Downside Disposal Estimate. The platform is calibrated using specialist licensing databases to provide representative results that meet international valuation standards. Trusted by banks, accountants, advisors, and investors, Sollomon produces valuations in language that lenders can easily understand, giving them the comfort they need to consider your IP for financing purposes.
Step three: Assess loan suitability with Hallmarq™
The final step involves using Hallmarq, the first online tool that can calculate a collateral value for IP assets used to support a loan application. Working in conjunction with your completed Goldseam profile and Sollomon valuation, Hallmarq assesses whether your IP is usable as security for a business loan by evaluating the separability, saleability, and strength of your IP. The tool presents results as both a summary dashboard and detailed radar charts. Provided your scores pass the required threshold, it calculates a recommended loan-to-value ratio using a weighted blend of these factors. Your Hallmarq LTV ratio is typically applied to the orderly disposal value identified through Sollomon to derive a final security value, with the reports the security value applied to your IP will be determined by your lender.
Connecting with lenders
After completing your Goldseam® profile through Inngot's platform, we signpost you to participating lenders to facilitate your IP finance journey, if suitable. Inngot has established relationships with major banks including NatWest through their IP-backed finance proposition and HSBC through their growth lending programme. Rather than navigating the lending process alone.
For more information about IP finance and to begin your journey, contact Inngot to discuss how their tools can help unlock the value in your intellectual property.
Corporate intangible assets hit a record value of $80 trillion globally in 2024, but IP-rich businesses around the world can’t borrow the money they need to scale up because they don’t have the tangible assets most banks demand as collateral.
In the UK alone, scaleup businesses faced a £15 billion annual funding gap in 2020; and that gap can only have grown in the five years since then.
IP finance can address this gap by enabling companies to use their patents, software, trademarks, and other intellectual property as loan collateral or security for bank borrowing. That can help growing companies facing the scale-up gap avoid either going down the equity route, which can be expensive and also may involve surrendering significant control of their business, or selling the IP that’s at the heart of their growth.
The UK is well advanced in terms of IP-backed finance. Both HSBC and NatWest offer lending products which take the value of IP into account, supported by Inngot's online valuation platform that reduces IP assessment time from months to days at significantly lower cost than traditional in-person valuations.
Research from the British Business Bank and the UK’s Intellectual Property Office clearly shows that IP-rich firms are better loan prospects than companies without IP. The study found IP-owning companies had 40% lower default rates and 50% lower losses from default compared to borrowers without IP, making intellectual property an attractive asset class for lenders focussed on high-growth companies in the knowledge economy to take security over.
The UK IP finance opportunity
The UK’s IP-intensive industries generate £300 billion annually according to Government figures, representing over 25% of UK economic output. However, according to a report from WIPO and the UK IPO, 95% of businesses with intellectual property have never considered using these assets for financing.
Traditional lending models focus on physical assets, despite intangible assets now comprising 70-80% of typical UK firm value, according to an OECD report. This creates a funding gap where revenue generating, growing companies cannot access capital because their core company value is driven by intangible assets such as patents, trade marks, copyright, designs, data, and software, rather than physical assets.
The UK government addressed this issue in its 2025 Industrial Strategy, committing to "tackle barriers for IP-rich sectors" and "explore how to help businesses raise debt finance secured on intangible assets." This is on top of the UK’s Intellectual Property Office forming an IP Finance Advisory Group, which includes Inngot’s CEO Martin Brassell as well as key figures from both HSBC and NatWest.
UK businesses now invest £200 billion annually in intangible assets, £32.4 billion higher than investment in tangible assets such as machinery and buildings, according to Office for National Statistics data. Manufacturing leads this intangibles trend with 48.7% of investment going to research and development. This shift reflects the modern economy where most 21st century companies are IP-rich; yet traditional lending, still reliant on accountings standards developed in the 19th and 20th centuries when tangible assets drove value, is taking time to adapt to this reality.
But IP finance lending products are growing rapidly. Global estimates range from conservative projections of $1.1 billion growing to $2.4 billion by 2032 to more optimistic forecasts of $22.4 billion reaching $75.4 billion by 2031, depending on methodology.
China processed $58.8 billion in IP-pledged financing loans in the first half of 2024 alone, representing a 57% increase year-over-year. China’s Hong Kong Special Administrative Region has just announced it plans to launch an IP-finance ‘sandbox’ in 2026, while Malaysian development bank MIDF, with the backing of the Malaysian Government and WIPO, has announced it plans to do the same.
Meanwhile, the UK has announced plans in The UK’s Modern Industrial Strategy to establish robust valuation standards and risk assessment frameworks to support sustainable IP-backed finance market development.
Online IP valuation makes financing accessible for SMEs and scaleups
Traditional IP valuation costs tens of thousands of pounds and takes months to complete, making it impractical and too costly for the SMEs that need it most. That’s why most IP-backed finance deals to date have been for enterprise-level companies and multinational borrowing millions or tens of millions of pounds – and have cost £10,000 or more and taken months of consulting work.
Inngot's Sollomon® tool was designed to solve this cost/time challenge for smaller companies by providing online IP valuation. Sollomon can deliver accurate IP valuations which leading banks rely on for as little as £795. And with results available within days, rather than months, SMEs with the right kind of IP can get bank loans quickly and at competitive rates, using their IP as collateral.
The Sollomon platform uses three internationally recognised valuation approaches depending on asset type and context.
The cost approach establishes minimum value based on development and replacement costs, particularly useful for early-stage technology without proven markets.
The market approach compares similar IP transactions using databases like RoyaltyRange to determine fair market value based on actual deals.
The income approach, most commonly used for revenue-generating IP, calculates net present value of future cash flows using discounted cash flow analysis, relief from royalty methods, or earnings capitalisation.
Sollomon integrates with Inngot's broader IP management tool, Goldseam®, which allows users (usually company finance directors, founders, or business advisors) to easily identify over 80 types of intangible assets without requiring specialist knowledge.
Once a Sollomon valuation has been confirmed by Inngot’s in-house experts, it can be fed into the Hallmarq collateral suitability checking tool, which evaluates the core IP’s separability, saleability, and legal strength to show a lender that firstly there is valuable IP behind a company’s success and secondly that the lender can easily take security over it.
Inngot’s online tools are integrated so there is a smooth flow from intangible asset identification through valuation to collateral assessment that provides banks with comprehensive assessment at reduced cost and timeframe.
NatWest: the first IP-backed loan at scale to use IP as collateral
NatWest launched the UK's first mass-market IP-backed lending product that took security over IP as collateral in January 2024, offering loans from £250,000 to £10 million, representing up to 50% of qualified IP value found by Inngot’s tools.
The bank partnered with Inngot to provide standardised valuation and monitoring services, enabling assessment of software, patents, trademarks, and other intangible assets, as well as ongoing monitoring of the value of IP taken as collateral This monitoring not only flags potential problems to NatWest, it also highlights cases where IP has actually increased in value – the loan includes the option to borrow more if IP value grows, which a number of clients have taken advantage of.
The program's early results demonstrate practical viability.
Sci-Net became the first company to secure NatWest's IP-backed loan, obtaining £700,000 using its proprietary business management software as collateral. The B2B software company, which serves clients including Tapi Carpets and Missoma, used the funding to accelerate growth without equity dilution. The loan was processed efficiently using Inngot's valuation toolkit, proving the concept works for mainstream software businesses. Read the full case study
SixFive Networks secured £1 million against its AI-driven mobile messaging routing technology platform to support expansion across 180 countries. The mobile communications company's intellectual property, including patents and proprietary algorithms, provided sufficient collateral value for significant growth capital. This case demonstrates how IP finance works for technology companies with global ambitions. See case study here
Open Bionics leveraged its Hero Arm prosthetic IP portfolio for £600,000 in expansion capital. The medical devices company's innovative prosthetics technology, protected by patents and design rights, enabled access to funding that would have been difficult to secure through traditional lending due to the lack of physical assets. See case study here
Ripstone Games obtained £600,000 with a one-year capital repayment holiday aligned with industry development cycles. The gaming company's IP portfolio, including copyright in games and associated trademarks, provided collateral for growth funding structured to match the business model of game development and release cycles. See case study here
Benefits for lenders and borrowers
For lenders, IP finance offers several advantages over traditional lending models. IP risk is not correlated with other asset classes like property or vehicles, helping banks diversify and spread risk across their portfolios. IP-owning companies perform better financially and represent lower lending risk. When businesses do face difficulties, IP assets are fundamental to successful resolution since they often represent the core value of modern companies.
Investigating IP also provides banks with information that company accounts typically omit. Accounting regulations provide limited scope for recognising intangible asset investment, so IP valuation reveals what companies have spent money developing and their true substance. This enhanced due diligence supports better credit decisions.
For borrowers, IP finance addresses longstanding frustrations with traditional lending. It recognises the investment that growth companies make in intangibles, providing access to non-dilutive growth capital without selling equity shares. The product works regardless of how IP features in company accounts, since valuation focuses on economic benefit rather than accounting treatment.
IP-backed loans are competitively priced, often cheaper than mezzanine or venture debt, and do not require warrants. Businesses can access a one-year capital repayment holiday to improve debt serviceability. Most importantly for directors, IP security typically eliminates the need for personal guarantees since management teams are already personally invested in their business's intellectual property.
Performance data supports the lending model's viability. A 2018 UK IPO/British Business Bank study analysing over 20,000 loans backed by the Enterprise Finance Guarantee found firms with registered IP demonstrated 38% lower probability of default and 50% lower losses given default compared to peers without intellectual property. The research showed this applied across all IP types, with patent holders showing 6% default rates compared to 16% for the total sample.
This superior performance reflects several factors that make IP-owning companies attractive to lenders. IP-intensive firms are more resilient through economic cycles, grow faster, enjoy increased productivity, export more, and fail less often. Since IP is central to a firm's competitive advantage, founders and investors are highly motivated to protect these assets.
Policy developments around the globe demonstrate the growth of IP-backed finance
The Moveable Transactions (Scotland) Act 2023, which came into force on April 1st, 2025, modernises security creation over contractual rights including intellectual property, aligning Scottish law with international best practices.
The European Investment Bank allocated €76.6 billion in 2024 lending that explicitly includes intangible asset financing for SMEs and mid-caps.
WIPO launched a major initiative to push IP finance globally in 2022, with annual events and a range of projects launched. As WIPO Director General Daren Tang said at the 2025 annual IP Finance Dialogue, the global IP organisation, part of the United Nations, recognises that "intangible assets are too valuable to overlook and too powerful to be left on the sidelines". The organisation's country report series covers developments in IP-backed finance from a dozen or more countries, including the UK, Singapore, and Japan, providing useful reference points for jurisdictions developing their own IP finance systems.
China targeted 1 trillion yuan ($137 billion) in IP-backed financing by end-2024, demonstrating how government policy can scale markets rapidly.
The USPTO aimed to increase patent examiner hiring by 1,500 positions in 2025 to handle growing IP registration volumes driven partly by financing requirements.
International accounting standards bodies are addressing intangible asset recognition challenges, with IFRS Foundation's Tim Craig noting that current standards "might not be suitable for companies operating in the digital age."
Policy developments such as these create supportive environments where IP finance can develop effectively. Regulatory clarity reduces lender uncertainty, government guarantees mitigate risk during market development phases, and international coordination enables sharing of best practices across jurisdictions.
Risk assessment and management
IP-backed lending involves specific risks that require specialised evaluation beyond traditional credit analysis.
Validity risks include potential patent invalidation through prior art challenges, trade mark cancellation proceedings, and copyright disputes that could eliminate collateral value.
Enforceability challenges arise from jurisdictional limitations, inadequate protection strategies, and weak claim construction that might prevent effective asset recovery.
Market risks include technology obsolescence, competitive substitution, and economic sensitivity that can affect IP value more significantly than physical assets.
Due diligence processes should address these concerns through comprehensive three-phase assessments.
Phase one identifies and inventories all IP assets, verifying ownership chains and documenting registration status across relevant jurisdictions.
Phase two conducts legal and technical assessments including freedom-to-operate analyses, infringement exposure evaluation, and review of licensing agreements.
Phase three applies commercial valuation using appropriate methodologies whilst determining risk-adjusted discount rates and revenue attribution models.
Insurance products increasingly are available to protect IP value, which can help support IP finance transactions.
IP infringement defense insurance protects borrowers against litigation costs that could impair repayment capacity.
Abatement insurance covers patent invalidation risks, maintaining collateral value even if individual patents fail.
Key person insurance addresses inventor dependency for technology-driven IP portfolios.
Transaction insurance supports M&A deals involving significant IP components by covering representation and warranty issues.
Collateral Protection Insurance may be available for IP, in the same way that it is available for tangible assets such as property.
Risk mitigation strategies for lenders can also include:
Portfolio diversification requirements preventing over-concentration in single technologies or markets
Minimum remaining patent life thresholds ensuring adequate security duration
Ongoing monitoring through annual revaluations and competitive landscape surveillance.
These frameworks help transform IP from speculative assets into reliable collateral supporting sustainable lending programmes.
Bridging the scale-up funding gap
Traditional lending has failed to serve the UK's fastest-growing companies. Scale-ups typically invest 75% of their capital in intangible assets according to European Investment Bank research, yet banks have historically only lent against physical collateral. This mismatch leaves profitable, innovative companies unable to access debt finance despite having substantial value locked in their intellectual property.
The problem is particularly acute for companies between startup and mature business phases. Early-stage ventures can access venture capital, whilst established firms with strong cash flows and physical assets can secure traditional loans. Scale-ups fall into a funding gap where they are growing rapidly but lack the tangible security that banks traditionally require.
NatWest's IP finance proposition, powered by Inngot's toolkit, addresses this market failure by making IP-backed lending accessible to mainstream businesses. Previously, IP finance was limited to large organisations that could afford complex valuations costing tens of thousands of pounds. Banks would only engage with these substantial deals because the economics worked for major transactions.
Inngot's valuation process, which can be completed online in as little as a few hours, democratises access to IP finance. This cost reduction of as much as 90% (or more) compared to traditional methods enables banks to serve SMEs and scale-ups economically. The standardised approach also reduces lender risk by providing consistent, professional assessments across all transactions.
The popularity of the Inngot toolkit demonstrates the market demand. Companies across diverse sectors including software, gaming, cleantech, advanced manufacturing, mobile communications, and medical devices have successfully accessed IP-backed loans. This breadth shows that intellectual property value exists across the economy, not just in traditional technology sectors.
IP finance success stories
Real-world examples demonstrate how IP-backed lending transforms business growth across different sectors and loan sizes.
Northcoders secured a substantial £1.5 million finance facility through NatWest's IP-backed lending programme, representing one of the larger transactions in the sector. The coding bootcamp and tech education company used its proprietary training methodologies and educational IP as collateral, demonstrating how service-based businesses with strong intellectual property can access significant growth capital. Read the full case study
Utelize Mobile leveraged the value in its intellectual property to secure a £600,000 loan from NatWest, supported by Inngot's online IP platform. This mobile technology company's case illustrates how businesses in the competitive mobile sector can use their proprietary technology and software as effective collateral for substantial lending facilities. Read the full case study
EarthSense used its comprehensive air quality solutions IP stack to secure a £264,000 IP-backed loan from NatWest. This environmental technology company's success shows how cleantech businesses with innovative monitoring and sensing technologies can access growth funding by utilising their intellectual property portfolios as collateral. Read the full case study
LoveAdmin utilised its IP value to secure £250,000 in NatWest financing with support from Inngot's online IP platform. This business management software company demonstrates how SaaS providers can leverage their proprietary software solutions and customer relationship systems as valuable collateral for business expansion funding. Read the full case study
Hike SEO secured £250,000 in NatWest financing by using its IP value as collateral, supported by Inngot's online platform. This digital marketing and SEO services company's case shows how technology service providers can access growth capital by leveraging their proprietary algorithms, software tools, and methodologies. Read the full case study
Propello Cloud used its IP value to secure a £250,000 NatWest loan with Inngot's platform support. This cloud services company's success demonstrates how businesses operating in competitive technology markets can differentiate themselves to lenders by showcasing the tangible value locked within their proprietary systems and technologies. Read the full case study
Nimbus became the first client to be referred by a finance broker for a NatWest IP-backed loan using its proprietary IP as collateral. This milestone case study illustrates how the IP finance market has evolved to include intermediary support, with finance brokers now actively identifying and referring suitable clients for IP-backed lending solutions. Read the full case study
Glasswall obtained a £5 million finance package from HSBC, underpinned by Inngot’s IP valuation platform. This cybersecurity specialist’s case highlights how companies delivering cutting-edge content disarm and file security solutions can access significant funding by demonstrating the robust value of their proprietary technologies and innovation portfolios. Read the full case study
Yoti secured a £12.5 million debt funding package from HSBC, supported by the value of its intellectual property as assessed through Inngot. This digital identity verification company demonstrated how firms in the fast-growing identity and security sector can unlock substantial growth finance by leveraging their proprietary platforms, algorithms, and trust frameworks as effective collateral. Read the full case study
These examples span education technology, mobile solutions, environmental monitoring, business software, digital marketing, cloud services, and broker-facilitated transactions. The range of loan amounts from £250,000 to £12.5 million demonstrates that IP finance works effectively across different business sizes and sectors, providing flexible funding solutions for companies with valuable intellectual property assets.
How to access IP finance: A step-by-step guide with Inngot
Understanding how to navigate the IP finance process can help businesses unlock the value in their intellectual property assets. Inngot's online platform simplifies this journey through three integrated tools that build upon each other to demonstrate your IP's value to lenders.
Step one: Profile your IP with Goldseam®
Begin by using Inngot's free Goldseam tool to identify and map all your intellectual property and intangible assets. This online profiling tool guides you step-by-step through discovering over 80 different types of intangible assets your organisation owns and uses, whether you're new to IP or an expert. The platform combines instant access to national and international records on patents and trade marks with a unique intangible asset discovery system that makes creating your IP portfolio as simple as 'drag and drop'. This secure 15-minute process acts as a personalised mini-audit, helping you understand the full scope of your IP wealth—not just registered rights like patents and trade marks, but also unregistered assets such as proprietary software, trade secrets, customer databases, and unique business methodologies. Goldseam has been developed over 13 years and is trusted by major banks, investors, and business advisors as the gold standard in IP profiling.
Step two: Value your IP with Sollomon®
Once you've completed your Goldseam profile, proceed to Sollomon, the world's first online IP valuation tool. This tool generates an instant valuation for your intellectual property at a fraction of the cost of traditional custom IP valuations. Fully integrated with your Goldseam profile, Sollomon uses the relief from royalty valuation method to generate three income-based calculations: a risk-weighted analysis of your own forecasts, an estimate based on average growth rates within your sector, and a Downside Disposal Estimate. The platform is calibrated using specialist licensing databases to provide representative results that meet international valuation standards. Trusted by banks, accountants, advisors, and investors, Sollomon produces valuations in language that lenders can easily understand, giving them the comfort they need to consider your IP for financing purposes.
Step three: Assess loan suitability with Hallmarq™
The final step involves using Hallmarq, the first online tool that can calculate a collateral value for IP assets used to support a loan application. Working in conjunction with your completed Goldseam profile and Sollomon valuation, Hallmarq assesses whether your IP is usable as security for a business loan by evaluating the separability, saleability, and strength of your IP. The tool presents results as both a summary dashboard and detailed radar charts. Provided your scores pass the required threshold, it calculates a recommended loan-to-value ratio using a weighted blend of these factors. Your Hallmarq LTV ratio is typically applied to the orderly disposal value identified through Sollomon to derive a final security value, with the reports the security value applied to your IP will be determined by your lender.
Connecting with lenders
After completing your Goldseam® profile through Inngot's platform, we signpost you to participating lenders to facilitate your IP finance journey, if suitable. Inngot has established relationships with major banks including NatWest through their IP-backed finance proposition and HSBC through their growth lending programme. Rather than navigating the lending process alone.
For more information about IP finance and to begin your journey, contact Inngot to discuss how their tools can help unlock the value in your intellectual property.
Corporate intangible assets hit a record value of $80 trillion globally in 2024, but IP-rich businesses around the world can’t borrow the money they need to scale up because they don’t have the tangible assets most banks demand as collateral.
In the UK alone, scaleup businesses faced a £15 billion annual funding gap in 2020; and that gap can only have grown in the five years since then.
IP finance can address this gap by enabling companies to use their patents, software, trademarks, and other intellectual property as loan collateral or security for bank borrowing. That can help growing companies facing the scale-up gap avoid either going down the equity route, which can be expensive and also may involve surrendering significant control of their business, or selling the IP that’s at the heart of their growth.
The UK is well advanced in terms of IP-backed finance. Both HSBC and NatWest offer lending products which take the value of IP into account, supported by Inngot's online valuation platform that reduces IP assessment time from months to days at significantly lower cost than traditional in-person valuations.
Research from the British Business Bank and the UK’s Intellectual Property Office clearly shows that IP-rich firms are better loan prospects than companies without IP. The study found IP-owning companies had 40% lower default rates and 50% lower losses from default compared to borrowers without IP, making intellectual property an attractive asset class for lenders focussed on high-growth companies in the knowledge economy to take security over.
The UK IP finance opportunity
The UK’s IP-intensive industries generate £300 billion annually according to Government figures, representing over 25% of UK economic output. However, according to a report from WIPO and the UK IPO, 95% of businesses with intellectual property have never considered using these assets for financing.
Traditional lending models focus on physical assets, despite intangible assets now comprising 70-80% of typical UK firm value, according to an OECD report. This creates a funding gap where revenue generating, growing companies cannot access capital because their core company value is driven by intangible assets such as patents, trade marks, copyright, designs, data, and software, rather than physical assets.
The UK government addressed this issue in its 2025 Industrial Strategy, committing to "tackle barriers for IP-rich sectors" and "explore how to help businesses raise debt finance secured on intangible assets." This is on top of the UK’s Intellectual Property Office forming an IP Finance Advisory Group, which includes Inngot’s CEO Martin Brassell as well as key figures from both HSBC and NatWest.
UK businesses now invest £200 billion annually in intangible assets, £32.4 billion higher than investment in tangible assets such as machinery and buildings, according to Office for National Statistics data. Manufacturing leads this intangibles trend with 48.7% of investment going to research and development. This shift reflects the modern economy where most 21st century companies are IP-rich; yet traditional lending, still reliant on accountings standards developed in the 19th and 20th centuries when tangible assets drove value, is taking time to adapt to this reality.
But IP finance lending products are growing rapidly. Global estimates range from conservative projections of $1.1 billion growing to $2.4 billion by 2032 to more optimistic forecasts of $22.4 billion reaching $75.4 billion by 2031, depending on methodology.
China processed $58.8 billion in IP-pledged financing loans in the first half of 2024 alone, representing a 57% increase year-over-year. China’s Hong Kong Special Administrative Region has just announced it plans to launch an IP-finance ‘sandbox’ in 2026, while Malaysian development bank MIDF, with the backing of the Malaysian Government and WIPO, has announced it plans to do the same.
Meanwhile, the UK has announced plans in The UK’s Modern Industrial Strategy to establish robust valuation standards and risk assessment frameworks to support sustainable IP-backed finance market development.
Online IP valuation makes financing accessible for SMEs and scaleups
Traditional IP valuation costs tens of thousands of pounds and takes months to complete, making it impractical and too costly for the SMEs that need it most. That’s why most IP-backed finance deals to date have been for enterprise-level companies and multinational borrowing millions or tens of millions of pounds – and have cost £10,000 or more and taken months of consulting work.
Inngot's Sollomon® tool was designed to solve this cost/time challenge for smaller companies by providing online IP valuation. Sollomon can deliver accurate IP valuations which leading banks rely on for as little as £795. And with results available within days, rather than months, SMEs with the right kind of IP can get bank loans quickly and at competitive rates, using their IP as collateral.
The Sollomon platform uses three internationally recognised valuation approaches depending on asset type and context.
The cost approach establishes minimum value based on development and replacement costs, particularly useful for early-stage technology without proven markets.
The market approach compares similar IP transactions using databases like RoyaltyRange to determine fair market value based on actual deals.
The income approach, most commonly used for revenue-generating IP, calculates net present value of future cash flows using discounted cash flow analysis, relief from royalty methods, or earnings capitalisation.
Sollomon integrates with Inngot's broader IP management tool, Goldseam®, which allows users (usually company finance directors, founders, or business advisors) to easily identify over 80 types of intangible assets without requiring specialist knowledge.
Once a Sollomon valuation has been confirmed by Inngot’s in-house experts, it can be fed into the Hallmarq collateral suitability checking tool, which evaluates the core IP’s separability, saleability, and legal strength to show a lender that firstly there is valuable IP behind a company’s success and secondly that the lender can easily take security over it.
Inngot’s online tools are integrated so there is a smooth flow from intangible asset identification through valuation to collateral assessment that provides banks with comprehensive assessment at reduced cost and timeframe.
NatWest: the first IP-backed loan at scale to use IP as collateral
NatWest launched the UK's first mass-market IP-backed lending product that took security over IP as collateral in January 2024, offering loans from £250,000 to £10 million, representing up to 50% of qualified IP value found by Inngot’s tools.
The bank partnered with Inngot to provide standardised valuation and monitoring services, enabling assessment of software, patents, trademarks, and other intangible assets, as well as ongoing monitoring of the value of IP taken as collateral This monitoring not only flags potential problems to NatWest, it also highlights cases where IP has actually increased in value – the loan includes the option to borrow more if IP value grows, which a number of clients have taken advantage of.
The program's early results demonstrate practical viability.
Sci-Net became the first company to secure NatWest's IP-backed loan, obtaining £700,000 using its proprietary business management software as collateral. The B2B software company, which serves clients including Tapi Carpets and Missoma, used the funding to accelerate growth without equity dilution. The loan was processed efficiently using Inngot's valuation toolkit, proving the concept works for mainstream software businesses. Read the full case study
SixFive Networks secured £1 million against its AI-driven mobile messaging routing technology platform to support expansion across 180 countries. The mobile communications company's intellectual property, including patents and proprietary algorithms, provided sufficient collateral value for significant growth capital. This case demonstrates how IP finance works for technology companies with global ambitions. See case study here
Open Bionics leveraged its Hero Arm prosthetic IP portfolio for £600,000 in expansion capital. The medical devices company's innovative prosthetics technology, protected by patents and design rights, enabled access to funding that would have been difficult to secure through traditional lending due to the lack of physical assets. See case study here
Ripstone Games obtained £600,000 with a one-year capital repayment holiday aligned with industry development cycles. The gaming company's IP portfolio, including copyright in games and associated trademarks, provided collateral for growth funding structured to match the business model of game development and release cycles. See case study here
Benefits for lenders and borrowers
For lenders, IP finance offers several advantages over traditional lending models. IP risk is not correlated with other asset classes like property or vehicles, helping banks diversify and spread risk across their portfolios. IP-owning companies perform better financially and represent lower lending risk. When businesses do face difficulties, IP assets are fundamental to successful resolution since they often represent the core value of modern companies.
Investigating IP also provides banks with information that company accounts typically omit. Accounting regulations provide limited scope for recognising intangible asset investment, so IP valuation reveals what companies have spent money developing and their true substance. This enhanced due diligence supports better credit decisions.
For borrowers, IP finance addresses longstanding frustrations with traditional lending. It recognises the investment that growth companies make in intangibles, providing access to non-dilutive growth capital without selling equity shares. The product works regardless of how IP features in company accounts, since valuation focuses on economic benefit rather than accounting treatment.
IP-backed loans are competitively priced, often cheaper than mezzanine or venture debt, and do not require warrants. Businesses can access a one-year capital repayment holiday to improve debt serviceability. Most importantly for directors, IP security typically eliminates the need for personal guarantees since management teams are already personally invested in their business's intellectual property.
Performance data supports the lending model's viability. A 2018 UK IPO/British Business Bank study analysing over 20,000 loans backed by the Enterprise Finance Guarantee found firms with registered IP demonstrated 38% lower probability of default and 50% lower losses given default compared to peers without intellectual property. The research showed this applied across all IP types, with patent holders showing 6% default rates compared to 16% for the total sample.
This superior performance reflects several factors that make IP-owning companies attractive to lenders. IP-intensive firms are more resilient through economic cycles, grow faster, enjoy increased productivity, export more, and fail less often. Since IP is central to a firm's competitive advantage, founders and investors are highly motivated to protect these assets.
Policy developments around the globe demonstrate the growth of IP-backed finance
The Moveable Transactions (Scotland) Act 2023, which came into force on April 1st, 2025, modernises security creation over contractual rights including intellectual property, aligning Scottish law with international best practices.
The European Investment Bank allocated €76.6 billion in 2024 lending that explicitly includes intangible asset financing for SMEs and mid-caps.
WIPO launched a major initiative to push IP finance globally in 2022, with annual events and a range of projects launched. As WIPO Director General Daren Tang said at the 2025 annual IP Finance Dialogue, the global IP organisation, part of the United Nations, recognises that "intangible assets are too valuable to overlook and too powerful to be left on the sidelines". The organisation's country report series covers developments in IP-backed finance from a dozen or more countries, including the UK, Singapore, and Japan, providing useful reference points for jurisdictions developing their own IP finance systems.
China targeted 1 trillion yuan ($137 billion) in IP-backed financing by end-2024, demonstrating how government policy can scale markets rapidly.
The USPTO aimed to increase patent examiner hiring by 1,500 positions in 2025 to handle growing IP registration volumes driven partly by financing requirements.
International accounting standards bodies are addressing intangible asset recognition challenges, with IFRS Foundation's Tim Craig noting that current standards "might not be suitable for companies operating in the digital age."
Policy developments such as these create supportive environments where IP finance can develop effectively. Regulatory clarity reduces lender uncertainty, government guarantees mitigate risk during market development phases, and international coordination enables sharing of best practices across jurisdictions.
Risk assessment and management
IP-backed lending involves specific risks that require specialised evaluation beyond traditional credit analysis.
Validity risks include potential patent invalidation through prior art challenges, trade mark cancellation proceedings, and copyright disputes that could eliminate collateral value.
Enforceability challenges arise from jurisdictional limitations, inadequate protection strategies, and weak claim construction that might prevent effective asset recovery.
Market risks include technology obsolescence, competitive substitution, and economic sensitivity that can affect IP value more significantly than physical assets.
Due diligence processes should address these concerns through comprehensive three-phase assessments.
Phase one identifies and inventories all IP assets, verifying ownership chains and documenting registration status across relevant jurisdictions.
Phase two conducts legal and technical assessments including freedom-to-operate analyses, infringement exposure evaluation, and review of licensing agreements.
Phase three applies commercial valuation using appropriate methodologies whilst determining risk-adjusted discount rates and revenue attribution models.
Insurance products increasingly are available to protect IP value, which can help support IP finance transactions.
IP infringement defense insurance protects borrowers against litigation costs that could impair repayment capacity.
Abatement insurance covers patent invalidation risks, maintaining collateral value even if individual patents fail.
Key person insurance addresses inventor dependency for technology-driven IP portfolios.
Transaction insurance supports M&A deals involving significant IP components by covering representation and warranty issues.
Collateral Protection Insurance may be available for IP, in the same way that it is available for tangible assets such as property.
Risk mitigation strategies for lenders can also include:
Portfolio diversification requirements preventing over-concentration in single technologies or markets
Minimum remaining patent life thresholds ensuring adequate security duration
Ongoing monitoring through annual revaluations and competitive landscape surveillance.
These frameworks help transform IP from speculative assets into reliable collateral supporting sustainable lending programmes.
Bridging the scale-up funding gap
Traditional lending has failed to serve the UK's fastest-growing companies. Scale-ups typically invest 75% of their capital in intangible assets according to European Investment Bank research, yet banks have historically only lent against physical collateral. This mismatch leaves profitable, innovative companies unable to access debt finance despite having substantial value locked in their intellectual property.
The problem is particularly acute for companies between startup and mature business phases. Early-stage ventures can access venture capital, whilst established firms with strong cash flows and physical assets can secure traditional loans. Scale-ups fall into a funding gap where they are growing rapidly but lack the tangible security that banks traditionally require.
NatWest's IP finance proposition, powered by Inngot's toolkit, addresses this market failure by making IP-backed lending accessible to mainstream businesses. Previously, IP finance was limited to large organisations that could afford complex valuations costing tens of thousands of pounds. Banks would only engage with these substantial deals because the economics worked for major transactions.
Inngot's valuation process, which can be completed online in as little as a few hours, democratises access to IP finance. This cost reduction of as much as 90% (or more) compared to traditional methods enables banks to serve SMEs and scale-ups economically. The standardised approach also reduces lender risk by providing consistent, professional assessments across all transactions.
The popularity of the Inngot toolkit demonstrates the market demand. Companies across diverse sectors including software, gaming, cleantech, advanced manufacturing, mobile communications, and medical devices have successfully accessed IP-backed loans. This breadth shows that intellectual property value exists across the economy, not just in traditional technology sectors.
IP finance success stories
Real-world examples demonstrate how IP-backed lending transforms business growth across different sectors and loan sizes.
Northcoders secured a substantial £1.5 million finance facility through NatWest's IP-backed lending programme, representing one of the larger transactions in the sector. The coding bootcamp and tech education company used its proprietary training methodologies and educational IP as collateral, demonstrating how service-based businesses with strong intellectual property can access significant growth capital. Read the full case study
Utelize Mobile leveraged the value in its intellectual property to secure a £600,000 loan from NatWest, supported by Inngot's online IP platform. This mobile technology company's case illustrates how businesses in the competitive mobile sector can use their proprietary technology and software as effective collateral for substantial lending facilities. Read the full case study
EarthSense used its comprehensive air quality solutions IP stack to secure a £264,000 IP-backed loan from NatWest. This environmental technology company's success shows how cleantech businesses with innovative monitoring and sensing technologies can access growth funding by utilising their intellectual property portfolios as collateral. Read the full case study
LoveAdmin utilised its IP value to secure £250,000 in NatWest financing with support from Inngot's online IP platform. This business management software company demonstrates how SaaS providers can leverage their proprietary software solutions and customer relationship systems as valuable collateral for business expansion funding. Read the full case study
Hike SEO secured £250,000 in NatWest financing by using its IP value as collateral, supported by Inngot's online platform. This digital marketing and SEO services company's case shows how technology service providers can access growth capital by leveraging their proprietary algorithms, software tools, and methodologies. Read the full case study
Propello Cloud used its IP value to secure a £250,000 NatWest loan with Inngot's platform support. This cloud services company's success demonstrates how businesses operating in competitive technology markets can differentiate themselves to lenders by showcasing the tangible value locked within their proprietary systems and technologies. Read the full case study
Nimbus became the first client to be referred by a finance broker for a NatWest IP-backed loan using its proprietary IP as collateral. This milestone case study illustrates how the IP finance market has evolved to include intermediary support, with finance brokers now actively identifying and referring suitable clients for IP-backed lending solutions. Read the full case study
Glasswall obtained a £5 million finance package from HSBC, underpinned by Inngot’s IP valuation platform. This cybersecurity specialist’s case highlights how companies delivering cutting-edge content disarm and file security solutions can access significant funding by demonstrating the robust value of their proprietary technologies and innovation portfolios. Read the full case study
Yoti secured a £12.5 million debt funding package from HSBC, supported by the value of its intellectual property as assessed through Inngot. This digital identity verification company demonstrated how firms in the fast-growing identity and security sector can unlock substantial growth finance by leveraging their proprietary platforms, algorithms, and trust frameworks as effective collateral. Read the full case study
These examples span education technology, mobile solutions, environmental monitoring, business software, digital marketing, cloud services, and broker-facilitated transactions. The range of loan amounts from £250,000 to £12.5 million demonstrates that IP finance works effectively across different business sizes and sectors, providing flexible funding solutions for companies with valuable intellectual property assets.
How to access IP finance: A step-by-step guide with Inngot
Understanding how to navigate the IP finance process can help businesses unlock the value in their intellectual property assets. Inngot's online platform simplifies this journey through three integrated tools that build upon each other to demonstrate your IP's value to lenders.
Step one: Profile your IP with Goldseam®
Begin by using Inngot's free Goldseam tool to identify and map all your intellectual property and intangible assets. This online profiling tool guides you step-by-step through discovering over 80 different types of intangible assets your organisation owns and uses, whether you're new to IP or an expert. The platform combines instant access to national and international records on patents and trade marks with a unique intangible asset discovery system that makes creating your IP portfolio as simple as 'drag and drop'. This secure 15-minute process acts as a personalised mini-audit, helping you understand the full scope of your IP wealth—not just registered rights like patents and trade marks, but also unregistered assets such as proprietary software, trade secrets, customer databases, and unique business methodologies. Goldseam has been developed over 13 years and is trusted by major banks, investors, and business advisors as the gold standard in IP profiling.
Step two: Value your IP with Sollomon®
Once you've completed your Goldseam profile, proceed to Sollomon, the world's first online IP valuation tool. This tool generates an instant valuation for your intellectual property at a fraction of the cost of traditional custom IP valuations. Fully integrated with your Goldseam profile, Sollomon uses the relief from royalty valuation method to generate three income-based calculations: a risk-weighted analysis of your own forecasts, an estimate based on average growth rates within your sector, and a Downside Disposal Estimate. The platform is calibrated using specialist licensing databases to provide representative results that meet international valuation standards. Trusted by banks, accountants, advisors, and investors, Sollomon produces valuations in language that lenders can easily understand, giving them the comfort they need to consider your IP for financing purposes.
Step three: Assess loan suitability with Hallmarq™
The final step involves using Hallmarq, the first online tool that can calculate a collateral value for IP assets used to support a loan application. Working in conjunction with your completed Goldseam profile and Sollomon valuation, Hallmarq assesses whether your IP is usable as security for a business loan by evaluating the separability, saleability, and strength of your IP. The tool presents results as both a summary dashboard and detailed radar charts. Provided your scores pass the required threshold, it calculates a recommended loan-to-value ratio using a weighted blend of these factors. Your Hallmarq LTV ratio is typically applied to the orderly disposal value identified through Sollomon to derive a final security value, with the reports the security value applied to your IP will be determined by your lender.
Connecting with lenders
After completing your Goldseam® profile through Inngot's platform, we signpost you to participating lenders to facilitate your IP finance journey, if suitable. Inngot has established relationships with major banks including NatWest through their IP-backed finance proposition and HSBC through their growth lending programme. Rather than navigating the lending process alone.
For more information about IP finance and to begin your journey, contact Inngot to discuss how their tools can help unlock the value in your intellectual property.
Corporate intangible assets hit a record value of $80 trillion globally in 2024, but IP-rich businesses around the world can’t borrow the money they need to scale up because they don’t have the tangible assets most banks demand as collateral.
In the UK alone, scaleup businesses faced a £15 billion annual funding gap in 2020; and that gap can only have grown in the five years since then.
IP finance can address this gap by enabling companies to use their patents, software, trademarks, and other intellectual property as loan collateral or security for bank borrowing. That can help growing companies facing the scale-up gap avoid either going down the equity route, which can be expensive and also may involve surrendering significant control of their business, or selling the IP that’s at the heart of their growth.
The UK is well advanced in terms of IP-backed finance. Both HSBC and NatWest offer lending products which take the value of IP into account, supported by Inngot's online valuation platform that reduces IP assessment time from months to days at significantly lower cost than traditional in-person valuations.
Research from the British Business Bank and the UK’s Intellectual Property Office clearly shows that IP-rich firms are better loan prospects than companies without IP. The study found IP-owning companies had 40% lower default rates and 50% lower losses from default compared to borrowers without IP, making intellectual property an attractive asset class for lenders focussed on high-growth companies in the knowledge economy to take security over.
The UK IP finance opportunity
The UK’s IP-intensive industries generate £300 billion annually according to Government figures, representing over 25% of UK economic output. However, according to a report from WIPO and the UK IPO, 95% of businesses with intellectual property have never considered using these assets for financing.
Traditional lending models focus on physical assets, despite intangible assets now comprising 70-80% of typical UK firm value, according to an OECD report. This creates a funding gap where revenue generating, growing companies cannot access capital because their core company value is driven by intangible assets such as patents, trade marks, copyright, designs, data, and software, rather than physical assets.
The UK government addressed this issue in its 2025 Industrial Strategy, committing to "tackle barriers for IP-rich sectors" and "explore how to help businesses raise debt finance secured on intangible assets." This is on top of the UK’s Intellectual Property Office forming an IP Finance Advisory Group, which includes Inngot’s CEO Martin Brassell as well as key figures from both HSBC and NatWest.
UK businesses now invest £200 billion annually in intangible assets, £32.4 billion higher than investment in tangible assets such as machinery and buildings, according to Office for National Statistics data. Manufacturing leads this intangibles trend with 48.7% of investment going to research and development. This shift reflects the modern economy where most 21st century companies are IP-rich; yet traditional lending, still reliant on accountings standards developed in the 19th and 20th centuries when tangible assets drove value, is taking time to adapt to this reality.
But IP finance lending products are growing rapidly. Global estimates range from conservative projections of $1.1 billion growing to $2.4 billion by 2032 to more optimistic forecasts of $22.4 billion reaching $75.4 billion by 2031, depending on methodology.
China processed $58.8 billion in IP-pledged financing loans in the first half of 2024 alone, representing a 57% increase year-over-year. China’s Hong Kong Special Administrative Region has just announced it plans to launch an IP-finance ‘sandbox’ in 2026, while Malaysian development bank MIDF, with the backing of the Malaysian Government and WIPO, has announced it plans to do the same.
Meanwhile, the UK has announced plans in The UK’s Modern Industrial Strategy to establish robust valuation standards and risk assessment frameworks to support sustainable IP-backed finance market development.
Online IP valuation makes financing accessible for SMEs and scaleups
Traditional IP valuation costs tens of thousands of pounds and takes months to complete, making it impractical and too costly for the SMEs that need it most. That’s why most IP-backed finance deals to date have been for enterprise-level companies and multinational borrowing millions or tens of millions of pounds – and have cost £10,000 or more and taken months of consulting work.
Inngot's Sollomon® tool was designed to solve this cost/time challenge for smaller companies by providing online IP valuation. Sollomon can deliver accurate IP valuations which leading banks rely on for as little as £795. And with results available within days, rather than months, SMEs with the right kind of IP can get bank loans quickly and at competitive rates, using their IP as collateral.
The Sollomon platform uses three internationally recognised valuation approaches depending on asset type and context.
The cost approach establishes minimum value based on development and replacement costs, particularly useful for early-stage technology without proven markets.
The market approach compares similar IP transactions using databases like RoyaltyRange to determine fair market value based on actual deals.
The income approach, most commonly used for revenue-generating IP, calculates net present value of future cash flows using discounted cash flow analysis, relief from royalty methods, or earnings capitalisation.
Sollomon integrates with Inngot's broader IP management tool, Goldseam®, which allows users (usually company finance directors, founders, or business advisors) to easily identify over 80 types of intangible assets without requiring specialist knowledge.
Once a Sollomon valuation has been confirmed by Inngot’s in-house experts, it can be fed into the Hallmarq collateral suitability checking tool, which evaluates the core IP’s separability, saleability, and legal strength to show a lender that firstly there is valuable IP behind a company’s success and secondly that the lender can easily take security over it.
Inngot’s online tools are integrated so there is a smooth flow from intangible asset identification through valuation to collateral assessment that provides banks with comprehensive assessment at reduced cost and timeframe.
NatWest: the first IP-backed loan at scale to use IP as collateral
NatWest launched the UK's first mass-market IP-backed lending product that took security over IP as collateral in January 2024, offering loans from £250,000 to £10 million, representing up to 50% of qualified IP value found by Inngot’s tools.
The bank partnered with Inngot to provide standardised valuation and monitoring services, enabling assessment of software, patents, trademarks, and other intangible assets, as well as ongoing monitoring of the value of IP taken as collateral This monitoring not only flags potential problems to NatWest, it also highlights cases where IP has actually increased in value – the loan includes the option to borrow more if IP value grows, which a number of clients have taken advantage of.
The program's early results demonstrate practical viability.
Sci-Net became the first company to secure NatWest's IP-backed loan, obtaining £700,000 using its proprietary business management software as collateral. The B2B software company, which serves clients including Tapi Carpets and Missoma, used the funding to accelerate growth without equity dilution. The loan was processed efficiently using Inngot's valuation toolkit, proving the concept works for mainstream software businesses. Read the full case study
SixFive Networks secured £1 million against its AI-driven mobile messaging routing technology platform to support expansion across 180 countries. The mobile communications company's intellectual property, including patents and proprietary algorithms, provided sufficient collateral value for significant growth capital. This case demonstrates how IP finance works for technology companies with global ambitions. See case study here
Open Bionics leveraged its Hero Arm prosthetic IP portfolio for £600,000 in expansion capital. The medical devices company's innovative prosthetics technology, protected by patents and design rights, enabled access to funding that would have been difficult to secure through traditional lending due to the lack of physical assets. See case study here
Ripstone Games obtained £600,000 with a one-year capital repayment holiday aligned with industry development cycles. The gaming company's IP portfolio, including copyright in games and associated trademarks, provided collateral for growth funding structured to match the business model of game development and release cycles. See case study here
Benefits for lenders and borrowers
For lenders, IP finance offers several advantages over traditional lending models. IP risk is not correlated with other asset classes like property or vehicles, helping banks diversify and spread risk across their portfolios. IP-owning companies perform better financially and represent lower lending risk. When businesses do face difficulties, IP assets are fundamental to successful resolution since they often represent the core value of modern companies.
Investigating IP also provides banks with information that company accounts typically omit. Accounting regulations provide limited scope for recognising intangible asset investment, so IP valuation reveals what companies have spent money developing and their true substance. This enhanced due diligence supports better credit decisions.
For borrowers, IP finance addresses longstanding frustrations with traditional lending. It recognises the investment that growth companies make in intangibles, providing access to non-dilutive growth capital without selling equity shares. The product works regardless of how IP features in company accounts, since valuation focuses on economic benefit rather than accounting treatment.
IP-backed loans are competitively priced, often cheaper than mezzanine or venture debt, and do not require warrants. Businesses can access a one-year capital repayment holiday to improve debt serviceability. Most importantly for directors, IP security typically eliminates the need for personal guarantees since management teams are already personally invested in their business's intellectual property.
Performance data supports the lending model's viability. A 2018 UK IPO/British Business Bank study analysing over 20,000 loans backed by the Enterprise Finance Guarantee found firms with registered IP demonstrated 38% lower probability of default and 50% lower losses given default compared to peers without intellectual property. The research showed this applied across all IP types, with patent holders showing 6% default rates compared to 16% for the total sample.
This superior performance reflects several factors that make IP-owning companies attractive to lenders. IP-intensive firms are more resilient through economic cycles, grow faster, enjoy increased productivity, export more, and fail less often. Since IP is central to a firm's competitive advantage, founders and investors are highly motivated to protect these assets.
Policy developments around the globe demonstrate the growth of IP-backed finance
The Moveable Transactions (Scotland) Act 2023, which came into force on April 1st, 2025, modernises security creation over contractual rights including intellectual property, aligning Scottish law with international best practices.
The European Investment Bank allocated €76.6 billion in 2024 lending that explicitly includes intangible asset financing for SMEs and mid-caps.
WIPO launched a major initiative to push IP finance globally in 2022, with annual events and a range of projects launched. As WIPO Director General Daren Tang said at the 2025 annual IP Finance Dialogue, the global IP organisation, part of the United Nations, recognises that "intangible assets are too valuable to overlook and too powerful to be left on the sidelines". The organisation's country report series covers developments in IP-backed finance from a dozen or more countries, including the UK, Singapore, and Japan, providing useful reference points for jurisdictions developing their own IP finance systems.
China targeted 1 trillion yuan ($137 billion) in IP-backed financing by end-2024, demonstrating how government policy can scale markets rapidly.
The USPTO aimed to increase patent examiner hiring by 1,500 positions in 2025 to handle growing IP registration volumes driven partly by financing requirements.
International accounting standards bodies are addressing intangible asset recognition challenges, with IFRS Foundation's Tim Craig noting that current standards "might not be suitable for companies operating in the digital age."
Policy developments such as these create supportive environments where IP finance can develop effectively. Regulatory clarity reduces lender uncertainty, government guarantees mitigate risk during market development phases, and international coordination enables sharing of best practices across jurisdictions.
Risk assessment and management
IP-backed lending involves specific risks that require specialised evaluation beyond traditional credit analysis.
Validity risks include potential patent invalidation through prior art challenges, trade mark cancellation proceedings, and copyright disputes that could eliminate collateral value.
Enforceability challenges arise from jurisdictional limitations, inadequate protection strategies, and weak claim construction that might prevent effective asset recovery.
Market risks include technology obsolescence, competitive substitution, and economic sensitivity that can affect IP value more significantly than physical assets.
Due diligence processes should address these concerns through comprehensive three-phase assessments.
Phase one identifies and inventories all IP assets, verifying ownership chains and documenting registration status across relevant jurisdictions.
Phase two conducts legal and technical assessments including freedom-to-operate analyses, infringement exposure evaluation, and review of licensing agreements.
Phase three applies commercial valuation using appropriate methodologies whilst determining risk-adjusted discount rates and revenue attribution models.
Insurance products increasingly are available to protect IP value, which can help support IP finance transactions.
IP infringement defense insurance protects borrowers against litigation costs that could impair repayment capacity.
Abatement insurance covers patent invalidation risks, maintaining collateral value even if individual patents fail.
Key person insurance addresses inventor dependency for technology-driven IP portfolios.
Transaction insurance supports M&A deals involving significant IP components by covering representation and warranty issues.
Collateral Protection Insurance may be available for IP, in the same way that it is available for tangible assets such as property.
Risk mitigation strategies for lenders can also include:
Portfolio diversification requirements preventing over-concentration in single technologies or markets
Minimum remaining patent life thresholds ensuring adequate security duration
Ongoing monitoring through annual revaluations and competitive landscape surveillance.
These frameworks help transform IP from speculative assets into reliable collateral supporting sustainable lending programmes.
Bridging the scale-up funding gap
Traditional lending has failed to serve the UK's fastest-growing companies. Scale-ups typically invest 75% of their capital in intangible assets according to European Investment Bank research, yet banks have historically only lent against physical collateral. This mismatch leaves profitable, innovative companies unable to access debt finance despite having substantial value locked in their intellectual property.
The problem is particularly acute for companies between startup and mature business phases. Early-stage ventures can access venture capital, whilst established firms with strong cash flows and physical assets can secure traditional loans. Scale-ups fall into a funding gap where they are growing rapidly but lack the tangible security that banks traditionally require.
NatWest's IP finance proposition, powered by Inngot's toolkit, addresses this market failure by making IP-backed lending accessible to mainstream businesses. Previously, IP finance was limited to large organisations that could afford complex valuations costing tens of thousands of pounds. Banks would only engage with these substantial deals because the economics worked for major transactions.
Inngot's valuation process, which can be completed online in as little as a few hours, democratises access to IP finance. This cost reduction of as much as 90% (or more) compared to traditional methods enables banks to serve SMEs and scale-ups economically. The standardised approach also reduces lender risk by providing consistent, professional assessments across all transactions.
The popularity of the Inngot toolkit demonstrates the market demand. Companies across diverse sectors including software, gaming, cleantech, advanced manufacturing, mobile communications, and medical devices have successfully accessed IP-backed loans. This breadth shows that intellectual property value exists across the economy, not just in traditional technology sectors.
IP finance success stories
Real-world examples demonstrate how IP-backed lending transforms business growth across different sectors and loan sizes.
Northcoders secured a substantial £1.5 million finance facility through NatWest's IP-backed lending programme, representing one of the larger transactions in the sector. The coding bootcamp and tech education company used its proprietary training methodologies and educational IP as collateral, demonstrating how service-based businesses with strong intellectual property can access significant growth capital. Read the full case study
Utelize Mobile leveraged the value in its intellectual property to secure a £600,000 loan from NatWest, supported by Inngot's online IP platform. This mobile technology company's case illustrates how businesses in the competitive mobile sector can use their proprietary technology and software as effective collateral for substantial lending facilities. Read the full case study
EarthSense used its comprehensive air quality solutions IP stack to secure a £264,000 IP-backed loan from NatWest. This environmental technology company's success shows how cleantech businesses with innovative monitoring and sensing technologies can access growth funding by utilising their intellectual property portfolios as collateral. Read the full case study
LoveAdmin utilised its IP value to secure £250,000 in NatWest financing with support from Inngot's online IP platform. This business management software company demonstrates how SaaS providers can leverage their proprietary software solutions and customer relationship systems as valuable collateral for business expansion funding. Read the full case study
Hike SEO secured £250,000 in NatWest financing by using its IP value as collateral, supported by Inngot's online platform. This digital marketing and SEO services company's case shows how technology service providers can access growth capital by leveraging their proprietary algorithms, software tools, and methodologies. Read the full case study
Propello Cloud used its IP value to secure a £250,000 NatWest loan with Inngot's platform support. This cloud services company's success demonstrates how businesses operating in competitive technology markets can differentiate themselves to lenders by showcasing the tangible value locked within their proprietary systems and technologies. Read the full case study
Nimbus became the first client to be referred by a finance broker for a NatWest IP-backed loan using its proprietary IP as collateral. This milestone case study illustrates how the IP finance market has evolved to include intermediary support, with finance brokers now actively identifying and referring suitable clients for IP-backed lending solutions. Read the full case study
Glasswall obtained a £5 million finance package from HSBC, underpinned by Inngot’s IP valuation platform. This cybersecurity specialist’s case highlights how companies delivering cutting-edge content disarm and file security solutions can access significant funding by demonstrating the robust value of their proprietary technologies and innovation portfolios. Read the full case study
Yoti secured a £12.5 million debt funding package from HSBC, supported by the value of its intellectual property as assessed through Inngot. This digital identity verification company demonstrated how firms in the fast-growing identity and security sector can unlock substantial growth finance by leveraging their proprietary platforms, algorithms, and trust frameworks as effective collateral. Read the full case study
These examples span education technology, mobile solutions, environmental monitoring, business software, digital marketing, cloud services, and broker-facilitated transactions. The range of loan amounts from £250,000 to £12.5 million demonstrates that IP finance works effectively across different business sizes and sectors, providing flexible funding solutions for companies with valuable intellectual property assets.
How to access IP finance: A step-by-step guide with Inngot
Understanding how to navigate the IP finance process can help businesses unlock the value in their intellectual property assets. Inngot's online platform simplifies this journey through three integrated tools that build upon each other to demonstrate your IP's value to lenders.
Step one: Profile your IP with Goldseam®
Begin by using Inngot's free Goldseam tool to identify and map all your intellectual property and intangible assets. This online profiling tool guides you step-by-step through discovering over 80 different types of intangible assets your organisation owns and uses, whether you're new to IP or an expert. The platform combines instant access to national and international records on patents and trade marks with a unique intangible asset discovery system that makes creating your IP portfolio as simple as 'drag and drop'. This secure 15-minute process acts as a personalised mini-audit, helping you understand the full scope of your IP wealth—not just registered rights like patents and trade marks, but also unregistered assets such as proprietary software, trade secrets, customer databases, and unique business methodologies. Goldseam has been developed over 13 years and is trusted by major banks, investors, and business advisors as the gold standard in IP profiling.
Step two: Value your IP with Sollomon®
Once you've completed your Goldseam profile, proceed to Sollomon, the world's first online IP valuation tool. This tool generates an instant valuation for your intellectual property at a fraction of the cost of traditional custom IP valuations. Fully integrated with your Goldseam profile, Sollomon uses the relief from royalty valuation method to generate three income-based calculations: a risk-weighted analysis of your own forecasts, an estimate based on average growth rates within your sector, and a Downside Disposal Estimate. The platform is calibrated using specialist licensing databases to provide representative results that meet international valuation standards. Trusted by banks, accountants, advisors, and investors, Sollomon produces valuations in language that lenders can easily understand, giving them the comfort they need to consider your IP for financing purposes.
Step three: Assess loan suitability with Hallmarq™
The final step involves using Hallmarq, the first online tool that can calculate a collateral value for IP assets used to support a loan application. Working in conjunction with your completed Goldseam profile and Sollomon valuation, Hallmarq assesses whether your IP is usable as security for a business loan by evaluating the separability, saleability, and strength of your IP. The tool presents results as both a summary dashboard and detailed radar charts. Provided your scores pass the required threshold, it calculates a recommended loan-to-value ratio using a weighted blend of these factors. Your Hallmarq LTV ratio is typically applied to the orderly disposal value identified through Sollomon to derive a final security value, with the reports the security value applied to your IP will be determined by your lender.
Connecting with lenders
After completing your Goldseam® profile through Inngot's platform, we signpost you to participating lenders to facilitate your IP finance journey, if suitable. Inngot has established relationships with major banks including NatWest through their IP-backed finance proposition and HSBC through their growth lending programme. Rather than navigating the lending process alone.
For more information about IP finance and to begin your journey, contact Inngot to discuss how their tools can help unlock the value in your intellectual property.
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Inngot's online platform identifies all your intangible assets and demonstrates their value to lenders, investors, acquirers, licensees and stakeholders
Accreditations
Copyright © Inngot Limited 2019-2025. All rights reserved.
Inngot's online platform identifies all your intangible assets and demonstrates their value to lenders, investors, acquirers, licensees and stakeholders
Accreditations
Copyright © Inngot Limited 2019-2025. All rights reserved.
Inngot's online platform identifies all your intangible assets and demonstrates their value to lenders, investors, acquirers, licensees and stakeholders
Accreditations
Copyright © Inngot Limited 2019-2025. All rights reserved.
Inngot's online platform identifies all your intangible assets and demonstrates their value to lenders, investors, acquirers, licensees and stakeholders
Accreditations
Copyright © Inngot Limited 2019-2025. All rights reserved.