How much can I borrow against my IP?

NatWest's High Growth IP Loan (England and Wales, since January 2024) starts from £250,000 and lends up to 50% of independently assessed IP value. Royal Bank of Scotland lends £250,000 to £10 million in Scotland (since June 2026), up to 50% of orderly disposal value. Other lenders set their own ratios, so confirm terms with the lender.

Which UK banks offer IP-backed loans?

NatWest (High Growth IP Loan, England and Wales) and Royal Bank of Scotland (Scotland) offer IP-backed loans. HSBC's Growth Lending fund launched in 2022 and has been £350 million since December 2023. The British Business Bank's ENABLE programme has £500 million for IP-rich firms (HM Treasury, 13 July 2026). Other lenders set their own ratios and terms.

Solutions

Get an IP-Backed Loan: Borrow from £250K Against Your IP

UK banks and specialist lenders now offer structured loan programmes secured against intellectual property. Access non-dilutive growth capital without giving up equity.

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

Listen: Breaking Through the Lending Gap 1.5 min

0:00 / --:--

From £250K NatWest High Growth IP Loan, England and Wales, since January 2024

Up to 50% of independently assessed IP value advanced by NatWest; other lenders set their own ratios

£500M British Business Bank ENABLE capacity for IP-rich firms (HM Treasury, 13 July 2026)

Which IP Qualifies as Collateral?

Patents

Granted patents with active claims and remaining useful life. Lenders set their own ratios. See our patent lending guide.

Trademarks

Registered trademarks with measurable brand equity and attributable revenue. Lenders set their own ratios. See our trademark lending guide.

Software IP

Proprietary software with recurring revenue and source code escrow. Lenders set their own ratios. See our software lending guide.

UK IP Lenders Compared

The following table summarises the published terms of the main UK programmes for IP-backed facilities. Other lenders set their own ratios, so confirm current terms with the lender.

Lender	Published Terms	Coverage	Guide
NatWest High Growth IP Loan	From £250K, up to 50% of independently assessed IP value	England and Wales, since January 2024	Read guide
Royal Bank of Scotland	£250K–£10M, up to 50% of orderly disposal value	Scotland, since June 2026	Overview
HSBC Growth Lending	Fund launched in 2022, £350M since December 2023	Confirm current terms with the bank	Read guide
British Business Bank ENABLE	£500M for IP-rich firms (HM Treasury, 13 July 2026)	Confirm current terms with the British Business Bank	Overview
Other lenders	Lenders set their own ratios	Terms vary by lender	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.