The expert revealed the advantages of intellectual property loans
The main advantage for borrowers in the case of intellectual property loans is the opportunity to receive funds for further technological developments at a rate significantly lower than the market average, since the program is subsidized. This explanation was given by the head of the expert analytics department of the Banks financial marketplace in an interview with Izvestia.<url>" by Inna Soldatenkova.
"Participation in the special program also increases the chances of approval, since the objects of the borrower's main activity serve as collateral, and he does not need to provide material collateral, which is often required in the framework of classical business lending," the expert notes.
At the same time, it is important to understand that the market for lending secured by intellectual property in Russia is at the stage of formation, the editorial interlocutor reminds. Banks consider the issuance of such loans as a "blue ocean" (unexplored market space), which is associated with increased risks.
In this regard, first of all, large players who are already implementing some of the social functions will work with such products, she believes. This may limit the opportunities for borrowers.
"Such lending may be of interest to regional banks, but due to the limited resource base compared to market forwards, SME banks, regional governments and other responsible authorities may need to develop additional tools to involve them. In particular, this may include the expansion of existing instruments, for example, a combination of collateral and guarantees from the region with umbrella guarantees in more risky transactions," the expert summarizes.
For more information about the intellectual property loan program, see the Izvestia article.
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