Original article title: How to practice patent pledge loan equity financing

01 What is patent pledge loan equity financing?

Patent pledge loan equity financing refers to a financing model in which the company obtains loans from financial institutions by using its legitimate and legitimate patents and property rights in the patents as pledged loans. Assist small and medium-sized high-tech enterprises to deal with the difficulty of insufficient funds caused by the lack of real estate loan guarantees.

02What patent rights can be pledged for loans?

It has been granted by the National Patent Office in accordance with regulations and is still valid for patented inventions, utility model patents, design patents and trademark exclusive rights.

03What are the methods of patent pledge loans?

1. Single patent right pledge loan: Patent right pledge loan is the only loan guarantee method for borrowing;

2. Patent right pledge loan plus third-party loan guarantee: Patent right pledge loan Pledge loans are used as the main form of loan guarantee, and third-party liability guarantees are used as supplementary guarantees to form loan guarantees;

3. Pledge loans plus other collateral combination loans: patent rights are used as the main contract type , a form of loan guarantee that uses the pledge of real estate, machinery and equipment, or other contract types such as personal liability guarantees as supplementary loan guarantees.

04How to operate the patent mortgage loan?

1. The company to be borrowed has a basic connection with the borrowing financial institution, and basic suggestions are made on the pledged loan property, loan amount, pledge rate, etc.;

2. Authorize an asset report assessment organization to carry out Evaluate the value of patent rights and provide a pre-assessment evaluation report;

3. Submit the evaluation report and other materials to the borrowing bank, and sign a loan contract and patent pledge contract with the borrowing financial institution after review;

4. Will work with financial institutions or authorized organizations to apply for patent or patent pledge registration procedures at the National Patent Office;

5. The bank will lend and the company will pay interest.

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