How accurate is the IP loan calculator?

The calculator provides indicative estimates based on typical UK market LTV ratios by IP asset type. Actual loan amounts depend on independent valuation, lender appetite, business performance, and legal enforceability of the IP. Use the calculator as a starting point, then request a formal Lending Readiness Assessment for precise figures.

What information do I need to use the IP loan calculator?

You need an estimated value for each IP asset type (patents, trademarks, software), the registration status of each asset, and whether the assets generate identifiable revenue. The calculator applies market-standard LTV ratios to produce an indicative borrowing range.

IP-Backed Lending

IP Loan Calculator: See What You Could Borrow

Estimate how much you could borrow against your intellectual property portfolio. This calculator uses UK market loan-to-value benchmarks for patents, trademarks, and software IP to provide an indicative borrowing range.

Hands using precision measuring instruments, representing careful IP loan value calculation

IP Loan Estimator

Enter the estimated value of each IP asset type to see your indicative borrowing range. Values should reflect what you believe an independent valuation would conclude.

UK IP Loan-to-Value Benchmarks

These LTV ratios reflect typical UK market ranges. Individual lender appetite and your specific IP profile will determine the actual ratio.

IP Asset Type	Conservative LTV	Standard LTV	Optimistic LTV	Key Factor
Granted patents (with licensing revenue)	35%	45%	50%	Remaining life, licensing history
Granted patents (without licensing)	25%	35%	40%	Market position, enforcement record
Registered trademarks (with licensing)	30%	35%	40%	Brand recognition, territory coverage
Registered trademarks (without licensing)	20%	25%	30%	Revenue attribution, market position
Software IP (SaaS with recurring revenue)	25%	35%	40%	NRR, escrow, documentation
Software IP (non-SaaS)	20%	25%	30%	Revenue model, escrow quality
Patent applications (pending)	10%	15%	20%	Examination progress, prosecution history

From Estimate to Application

The calculator provides a starting point for understanding your borrowing potential. To move toward an actual lending facility, you will need to follow a structured process.

Get a Formal Valuation

Commission an independent intangible asset valuation. The Opagio Valuator provides a structured starting point, or request a full Lending Readiness Assessment for professional-grade output.

Check Eligibility

Use the IP loan eligibility checker to assess whether your IP portfolio meets lender requirements.

Apply to the Right Lender

Read our guides to NatWest IP Finance and HSBC Innovation Banking to identify the right lender for your profile, or see the full application process guide.

Beyond Registered IP

This calculator covers the IP types that banks currently accept as collateral. But your company likely has additional intangible value in customer relationships, data assets, brand equity, and organisational capital. The Opagio intangible asset lending hub covers the full spectrum of intangible collateral.