Platform enabling SMEs to utilise eligible intangible assets as collateral for lending

平台使中小企业能够利用符合条件的无形资产作为贷款抵押品

• 批准号: 830243
• 金额: $ 55.54万
• 依托单位: INNGOT LIMITED
• 依托单位国家: 英国
• 项目类别: Innovation Loans
• 财政年份: 2021
• 资助国家: 英国
• 起止时间: 2021 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=830243
• 关键词: Platform; enabling; SMEs; utilise; eligible

The stock of intangible assets owned by UK businesses has an estimated value of £497 billion. Each year, around £130 billion is invested in new knowledge-based assets, of which over 50% are thought to be protectable using intellectual property (IP) rights (source: Imperial College/UK IPO). However, structures enabling businesses to harness these investments are immature.Specifically, lenders traditionally attribute no collateral value to IP and intangibles. Banks may even view them as a liability, because they do not know what these assets are, how they support the company's activities, or which ones would have any realisable value if the business were to fail.Inngot has been working for some years to overcome the barriers to unlocking IP and intangible value. It has already worked with large and specialist lenders and international government agencies to facilitate unsecured lending by deploying and refining its award-winning digital platform to help businesses identify, value and communicate their intellectual assets, revealing almost $1bn of previously hidden value for SMEs.The company is now focused on addressing the problem of using IP as collateral for secured lending. Its work builds on a position of thought leadership developed through a string of influential publications for government and non-governmental agencies and industry bodies (including UK IPO, ACCA and OECD).Having successfully completed a research project in 2019-20 supported by Innovate UK, Inngot has now validated a number of its assumptions using artificial intelligence approaches with the University of South Wales. It has also established an initiative with a leading insurance broker to source the cover and additional data required to back its new assessment process. The company therefore has a clear route to market.This loan application is in support of the build of Inngot's new platform, which will enable the use of IP and supporting intangibles as collateral at scale, for the benefit of innovative SMEs, lenders and insurers.

英国企业拥有的无形资产存量估计为4970亿英镑。每年，约有1300亿英镑投资于新的知识资产，其中超过50%被认为可以使用知识产权（IP）权利进行保护（来源：帝国理工学院/英国IPO）。然而，使企业能够利用这些投资的结构还不成熟。具体来说，贷款人传统上不认为知识产权和无形资产具有抵押价值。银行甚至可能将其视为一种负债，因为他们不知道这些资产是什么，它们如何支持公司的活动，或者如果业务失败，哪些资产会有任何可变现的价值。Inngot多年来一直致力于克服释放知识产权和无形价值的障碍。它已经与大型专业贷款机构和国际政府机构合作，通过部署和完善其屡获殊荣的数字平台来帮助企业识别、评估和交流其知识资产，从而促进无担保贷款，为中小企业揭示了近10亿美元的以前隐藏的价值。该公司现在专注于解决使用知识产权作为担保贷款抵押品的问题。它的工作建立在思想领导地位的基础上，通过一系列有影响力的出版物为政府和非政府机构和行业机构（包括英国IPO，ACCA和OECD）发展。在2019-20年成功完成了由Innovate UK支持的研究项目后，Inngot现在已经与南威尔士大学一起使用人工智能方法验证了它的一些假设。它还与一家领先的保险经纪人建立了一项倡议，以获取支持其新评估程序所需的保险和额外数据。该公司因此有一条明确的市场路线。该贷款申请是为了支持Inngot的新平台的建设，这将使知识产权和支持无形资产作为抵押品的规模，为创新型中小企业，贷款人和保险公司的利益。