Can patents pledge loans?

Yes, in practice, we can see that many high-tech enterprises with light assets are willing to pledge loans with patent rights. First of all, there must be a certificate issued by the state to prove the right, and the bank will agree to pledge. Banks will think that inventions are more valuable than utility models, and utility models are more valuable than appearance. To put it bluntly, it will be relatively valuable if the rights can be protected by the state and the patents are stable. Secondly, for authorized invention patents, banks will be concerned about whether there is a dispute over invention patents now. If there is a dispute, it may mean that the rights are unstable and the market share is problematic (whether it is infringement or non-infringement), that is to say, the future profitability is problematic. Then, banks will also be concerned about whether there is a license to authorize invention patents, the types of licenses, and the way to collect license fees. If it is an exclusive license, the bank may pledge the receivable license fee as accounts receivable, and other licensing methods will affect the future profitability of patented technology products. In addition, if your patented technology belongs to the following situations, it will be easier to get a loan: it belongs to an industry supported by national policies; Belonging to the leading technology in the industry; The remaining technologies have long service life; It is a period of rising profits.