Authorized patents can apply for patent pledge loans.

The authorized patent is actually an intangible asset, 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 person status approved and registered by the local administrative department for industry and commerce (or competent authority), which have the patent right granted by China National Intellectual Property Administration according to law, may apply to all banking financial institutions under the jurisdiction of Huangshi City for patent pledge loans.

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

Extended information:

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

When applying for intellectual property pledge loan, the trademark registrant shall apply to the bank with the Trademark Registration Certificate and the patentee with the Patent Certificate and other relevant materials required by the bank. Financial institutions initially analyze their asset access standards and scope for different customers, which generally include two meanings: one is the access standard of the loan subject, and the other is the access standard of the pledge.

the access standard of the loan subject can be determined through the analysis of credit performance, debt repayment ability, profitability, business development ability and comprehensive ability of the loan enterprise. In practice, the loan subject is usually the gold customer and high-quality customer of the loan bank, and there is no bad record in the loan bank and other banks.

Baidu Encyclopedia-Intellectual Property Pledge Loan