Fund Your Growth Without Giving Away Equity
Your intellectual property can unlock growth capital, with published bank programmes from £250K. IP-backed lending lets you borrow against patents, trademarks, and software while retaining 100% ownership of your business.
The Equity Dilution Problem
Every equity round reduces your ownership stake. A Series A at 25% dilution followed by a Series B at 20% leaves founders holding just 60% of their company — before the exit. For IP-rich businesses generating cash flow, there is a better way.
IP-backed lending provides the growth capital you need at a fraction of the long-term cost. You keep your equity, maintain full control of the board, and avoid the 3–9 month fundraising distraction that equity rounds require.
How Non-Dilutive IP Finance Works
Value Your Intangible Assets
Opagio Intangibles values your IP portfolio asset by asset, from your own financial data. This gives you an evidenced collateral base for lending conversations.
Check Eligibility
Use our IP loan eligibility checker to assess whether your IP meets lender requirements. Green-rated assets are ready for lending; amber assets may need preparation.
Access Capital
Choose the right lender for your profile. NatWest lends from £250K in England and Wales and the Royal Bank of Scotland £250K–£10M in Scotland, each at up to 50% of the IP’s independently assessed value; HSBC UK evaluates IP within its Growth Lending. See the full application process guide.
Is This Right for Your Business?
Non-dilutive IP finance works best for businesses that meet these criteria:
- IP-rich: You own granted patents, registered trademarks, or proprietary software generating revenue
- Cash-flow positive: You can service regular debt repayments from operating income
- Growth-focused: You have specific, defined initiatives that additional capital would accelerate
- Control-conscious: Maintaining ownership and board control matters to you
If you are pre-revenue, unable to service debt, or need strategic investors alongside capital, equity funding may be the better path.
Explore the Full Range of Options
IP-backed lending is one form of non-dilutive finance. Brand-backed facilities, data asset lending, and revenue securitisation are also available for businesses with different intangible asset profiles. Visit the Opagio intangible asset lending hub for the complete guide, or see the IP-backed lending hub for bank-specific details.
Find out what your IP is worth
Opagio Intangibles values your IP and the other intangible assets lenders assess, so you know your borrowing potential before approaching them.