How much can I borrow against my IP?

UK IP-backed loan programmes range from £250,000 to £10 million, with loan-to-value ratios of 25-50% against independently assessed IP value. Patents typically achieve the highest LTVs (35-50%), followed by trademarks (25-40%) and software (25-40%).

Which UK banks offer IP-backed loans?

NatWest has a dedicated IP finance team for loans up to £5 million. HSBC Innovation Banking covers £500K to £10M. The British Business Bank supports IP lending through accredited partners. Specialist venture debt providers and fintech platforms also offer IP-backed facilities.

Solutions

Get an IP-Backed Loan: £250K–£10M Against Your IP

UK banks and specialist lenders now offer structured loan programmes secured against intellectual property. Access non-dilutive growth capital at 6–12% per annum — a fraction of the cost of equity fundraising.

Founder and advisor discussing IP loan options at a high-end coffee shop with documents

£250K–£10M loan ranges across UK IP-backed lending programmes

25–50% typical loan-to-value ratio against assessed IP value

3–7 years standard loan terms with flexible repayment

Which IP Qualifies as Collateral?

Patents

Granted patents with active claims and remaining useful life. Strongest collateral class. LTV: 35–50%. See our patent lending guide.

Trademarks

Registered trademarks with measurable brand equity and attributable revenue. LTV: 25–40%. See our trademark lending guide.

Software IP

Proprietary software with recurring revenue and source code escrow. LTV: 25–40%. See our software lending guide.

UK IP Lenders Compared

The following table compares the major UK lending programmes for IP-backed facilities.

Lender	Loan Range	Best For	Guide
NatWest IP Finance	£250K–£5M	SMEs with strong UK patent or trademark portfolios	Read guide
HSBC Innovation Banking	£500K–£10M	Technology and SaaS companies with global IP	Read guide
British Business Bank	£100K–£2M	Smaller IP-backed facilities through partner lenders	Overview
Specialist Venture Debt	£500K–£10M	High-growth companies with software and data IP	Overview

Your Path to an IP-Backed Loan

Estimate Your Borrowing Potential

Use the IP Loan Calculator to get an indicative borrowing range based on your IP portfolio value.

Check Eligibility

Complete the IP loan eligibility check to assess your readiness for a lending application.

Get Valued and Apply

Commission an independent IP valuation and follow our step-by-step application guide.

More Than IP

Your business may have additional intangible value beyond registered IP. Customer relationships, data assets, brand equity, and organisational capital all contribute to enterprise value. The Opagio intangible asset lending hub covers the full spectrum of intangible collateral.