Can an unauthorized patent apply for pledge financing?

You can't. You cannot apply for patent pledge financing under the following circumstances (please pay attention to local policies): 1) The pledgor is not the legal patentee or not all the patentees; 2) The patent application is not authorized or the patent right is terminated; 3) The patent right is in the late stage of annual fee payment; (4) The patent right is in the process of invalidation; (5) The patent right is in the period of suspension or preservation; 6) The time limit for the debtor to perform the debt exceeds the validity period of the patent right; 7) When the pledgee has not been paid off at the expiration of the debt performance period stipulated in the contract, the patent right belongs to the pledgee; 8) Repeated pledge of the same patent right