Royal Bank of Scotland to launch IP-backed loans ranging between £250,000 to £10m

The Royal Bank of Scotland has published plans for the release of loans supported by IP, intended for “high -growth enterprises” in Scotland.

These loans will allow companies to “gain access to life financing using the value of their intellectual property as security, and not traditional physical assets.”

It is expected that RBS will begin to offer loans supported by IP in Scotland in 2026.

Earlier this year, the amendment in the Scottish law – the Law on mobile transactions (Scotland) entered into force – entered into force, as a result of which lenders were able to accept “effective security compared to IP rights.”

RBS plans to initiate loans from £ 250,000 up to 10 million pounds to “improve the financing conveyor” for enterprises in Scotland, which are struggling to ensure financing from “lack of fixed assets”.

Last year, the Maternal company RBS Natwest Group launched its own set of loans supported by IP in England and Wales. This included a loan in the Liverpool Ripstone bun for 600,000 pounds for negotiations on a financial package to support the development of new projects.

These loans supported by IP were developed in partnership with IP Inngot experts using the tools for identifying and evaluating the IP company.

“This new loan demonstrates how we support the innovations and enterprises that are looking for investment houses and abroad, no matter what stage they are in their life cycle,” said Judith Kruyikshanka, chairman of the board of directors of Scotland Natwest Group.

“Since more and more companies invest in AI and digital capabilities, we expect to see increased demand for technological services that may not have the same tangible assets as more traditional enterprises.”

CRUCSHANK continued: “Our proposal of the loan supported by IP is a key example of how Natwest supports Scotland’s digital economy, helping firms rich in IP, accelerate investment and promote growth without dilution of ownership.”

The State Secretary of Scotland Douglas Alexander added: “This is welcoming news from RBS, which will expand the market that helps innovative companies to reveal the extraordinary potential of Scotland in the field of technology and life sciences.”

“Ensuring the Scottish business to use their intellectual property as security can eliminate traditional barriers to finance, which restrained some of our most innovative companies.”

Alexander came to the conclusion: “This new source of financing can help these companies rich in IP scale and compete in the world arena.”

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