Intellectual-Property-Backed Loan

What is it?

DirectLenderMatch classifies Intellectual-Property-Backed Loan under the financing form “Secured loan.” Its typical use in this directory is: Borrow against IP value/cash flow.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Patents/trademarks/copyrights/royalty assets. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Borrow against IP value/cash flow.

What backs or supports it?

Patents/trademarks/copyrights/royalty assets.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Loan or credit structure

Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Insurance-enabled specialty debt

IP-insured lending market / lender varies by transaction

Marsh currently structures IP-insured financing that enables debt providers to lend against pledged IP.

Official evidence page →

Last verified: 2026-08-23

Direct bank lender

First Citizens Bank

First Citizens includes appraised trademarks, licenses, royalties and other IP among eligible ABL collateral.

Official evidence page →

Last verified: 2026-08-24