IP-Backed Loans
Financing Secured by Patents, Trademarks & Intellectual Property
Unlock Capital Using Your Intellectual Property
IP Backed Loans
IP-Backed Loans allow companies to leverage their intellectual property (IP), including patents, trademarks, copyrights, trade secrets, software, and contract rights as collateral to secure major financing. These loans are ideal for businesses with high-value IP assets but limited physical collateral or cash reserves.
By unlocking the financial value stored in intellectual property, companies can raise capital for research & development, growth, acquisitions, hiring, product launches, and working capital without giving up equity.
How It Works
- Submit application with business information and IP portfolio details
- Independent IP valuation conducted to determine collateral value
- Underwriting review of financial strength, credit, and IP marketability
- Loan approval based on IP asset value and borrower risk profile
- Receive capital while continuing to own, control, and use your IP
- Repay loan over 3 to 10 years; IP remains pledged until fully repaid
Flexible Terms
3 – 10 years
Competitive Interest Rates
8% – 15% per invoice
Higher Funding Amounts
$1,000,000 to $50,000,000
How IP-Backed Loans work!
Loan Amount: $1,000,000 to $50,000,000
Terms: 3 – 10 years
Rates: 8% – 15% per invoice/factoring period
Collateral: Company IP assets (patents, trademarks, copyrights, trade secrets, software, contract rights)
Qualifications:
- Credit Score: Minimum 650+
- Detailed financial statements (P&L, balance sheet, cash flow)
- IP valuation report (performed by certified IP valuation firms)
- Proof of ownership of the intellectual property
- Corporate organizational documents
- Evidence of revenue or commercialization strategy
- IP strength and enforceability
- IP market value
- Borrower’s financial health
- Industry outlook
- Monetization potential (licensing, royalties, sales potential)
Faster Funding’s
IP-Backed Loans
If your business owns valuable patents, trademarks, copyrights, or trade secrets, IP-Backed Loans allow you to unlock working capital without selling equity or draining cash reserves. Access up to $50 million using the intellectual assets you’ve already created.
The Benefits of IP-Backed Loans
IP-backed loans allow businesses to leverage patents, trademarks, copyrights, and other intellectual property to secure funding without giving up ownership or equity. This type of financing provides access to capital based on the proven or potential value of your innovations, making it especially useful for tech, biotech, and creative companies. It helps improve cash flow, supports research and development, and fuels growth by turning intangible assets into a reliable source of financial strength.
- Unlock liquidity from valuable intellectual property
- Preserve cash and physical assets
- Ideal for high-growth companies, tech firms, biotech, R&D, and innovators
- Use funds for expansion, acquisitions, or working capital
- Maintain full ownership and control over your IP while accessing capital
To qualify for IP-Based Loans, applicants generally need the following collateral:
IP assets serve as the primary collateral. Lenders may secure loans against:
- Patents (utility & design)
- Trademarks and brand assets
- Copyrights
- Trade secrets
- Software, algorithms, proprietary code
- Contract rights & licensing agreements
Some lenders utilize Collateral Protection Insurance (CPI) to insure the IP value—covering up to 90–100% of the principal loan amount.
Others lend against up to 50% of the IP’s independently assessed value depending on industry, marketability, and borrower profile.
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our IP-Back Loan programs are just one of the many ways we’re working to make that happen.
To learn more about IP-Backed Loans or to apply for other types of funding, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
What types of companies use IP-Backed Loans?
Technology companies, biotech firms, software developers, manufacturers, startups with patents, and any company with valuable intangible assets.
Do I lose my IP if I take this loan?
No. The lender only takes ownership if you default. You retain full use and ownership during the loan.
How is my IP valued?
Through certified IP valuation firms using market, income, and cost-based methods.
Can early-stage companies qualify?
Yes, if they have strong IP assets, a clear commercialization path, and solid financials or investor backing.
Get Started
Contact us to learn more about our IP-backed loans factoring programs. Our team of experts is standing by to help you find the perfect financial solution for your business.
