Can I apply for a loan for a national intellectual property patent?

Authorized patents can apply for patent pledge loans.

Authorized patents are actually intangible assets, and the loan department will review the loan according to the value of the patent.

Enterprises (institutions), other economic organizations and individual industrial and commercial households with independent legal personality approved and registered by the local administrative department for industry and commerce (or competent authority) may apply for patent pledge loans to banking financial institutions under the jurisdiction of Huangshi City, which have the patent right granted by China National Intellectual Property Administration according to law.

Loans are limited to working capital loans (including acceptance business) and investment in fixed assets of patent projects required for production and operation.

Extended data:

The enterprise submits a written application for intellectual property pledge loan to the bank.

When applying for intellectual property pledge loan, the trademark registrant applies to the bank with the trademark registration certificate, the patentee with the patent certificate and other relevant materials required by the bank. At first, financial institutions analyzed their asset access standards and scope for different customers, which generally included two meanings: first, the access standards for loan subjects, and second, the access standards for pledges.

The access standard of the loan subject can be determined by analyzing the credit performance, solvency, profitability, business development and comprehensive ability of the loan enterprise. In practice, the loan subjects are usually gold customers and high-quality customers of the loan bank, and there is no bad record in the loan bank and other banks.

Baidu Encyclopedia-Intellectual Property Pledge Loan