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Patents as collateral: Intellectual property-based lending to high-growth businesses

18Mar

NatWest has launched a new lending proposition for high-growth businesses to enable them to lever off the value of their patent portfolio and other IP.

The bank says that this is a world-first in terms of the mainstreaming of an IP-based lending offer across an entire bank and the affordability of the loans (starting from as little as £250,000). If the valuation of a business IP exceeds £500,000, the bank could lend up to 50% of the value over four years.

High growth businesses generally own few tangible assets, but can be rich in IP and intangible assets. These businesses can find it difficult to use their assets as collateral to secure growth funding and this has led to a large funding gap for fast-growing, asset light businesses estimated at £15 billion annually.

NatWest has partnered with IP valuation company Inngot to address this problem. If the bank cannot meet a high growth business’ borrowing needs through conventional security criteria, it will consider using their IP assets as collateral using valuations provided by company Inngot.

Join this webinar to hear experts from both the bank and Inngot explain how this development could unlock the potential of high-growth SMEs within your client base.

Audience

All

Speakers

Dr Bobby Mukherjee, CIPA Immediate Past President | BAE Systems plc

Dr Bobby Mukherjee, CIPA Immediate Past President | BAE Systems plc

Dr Bobby Mukherjee, Chief Counsel, IP & Technology Law – BAE Systems plc and Past President (2012-2014) of the IP Federation. He was the Chartered Institute of Patent Attorneys (CIPA) President for 2025. He previously served and currently sits on CIPA Council, and chaired the CIPA Internal Governance Committee in its formative stage.

Bobby is a qualified UK and European patent attorney with over 28 years’ experience of IP gained in private practice and at BAE Systems plc. He is currently the Head of IP (2009 -) at BAE Systems plc (a FTSE 30 company), which has one of the largest in-house IP teams in the UK.

Bobby has been named a Corporate IP Star by Managing Intellectual Property every year since 2015.

Martin Brassell, Inngot Ltd

Martin Brassell, Inngot Ltd

Martin Brassell is an expert in the use of intellectual property (IP) in business finance, and the asset identification, scoring and valuation processes needed to facilitate this emerging market. He

is co-founder of Inngot Limited (www.inngot.com), which provides the innovative online platform needed to help businesses and lenders like NatWest and HSBC UK find and leverage IP value.

 

Martin has written influential publications on IP identification and financing for a range of organisations including national IP offices (UK IPO and IPOS), industry bodies (ACCA) and leading international organisations (OECD and WIPO). Most recently, he authored the UK’s Journey report on IP finance for the World Intellectual Property Office (WIPO, 2023).

Neil Bellamy, Natwest

Neil Bellamy, Natwest

Neil has been a front-line Banker for 30 years and for the last 10 years, has been responsible for the strategy, proposition and risk for the global TMT sector.  A portfolio with a balance sheet of c£17bn.

Bucks born & bred; he learnt his trade with the early technology firms who based themselves in the Thames Valley Tech cluster & is applying this experience to his UK role.  His team are the no.1 supporter of the Tech sector & help businesses from university spin out to FTSE100 to get the 3B’s – get Backing, get Big & get Bought.

As a Freeman of the City of London (International Bankers) he likes to give back to the banking industry and the tech sector that have both served him well in his career.  He’s a strong advocate of the bank’s apprentice programme, Entrepreneur Accelerator and Mentor on the Imperial Ventures Mentoring Service (IVMS) for world class Imperial College spin outs.  He’s accredited by the Institute of Enterprise & Entrepreneurship and Board Advisor to some of the UK’s most exciting start-ups.

An Intellectual Property (IP) evangelist he has been the UK’s leading banker in developing innovative IP debt propositions to help unlock the £15bn funding gap for UK Scale Ups and recently shared his success at the World IP conference (WIPO) in Geneva.

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