IP based Lending Survey: Jamaica Financial and Lending Institutions
This survey will assist us in gathering insights and practical information on whether and how loans are granted by financial institutions against Intellectual Property as Collateral.

In the current landscape, intellectual property rights (IPRs) – such as copyrights, trade marks and patents – are emerging as economically and strategically valuable assets. In many economies, large corporations, small and medium size businesses and startups are devoting growing attention to the full and efficient exploitation of their IPRs. In pursuit of this objective, there is evidence that both IPRs and IP-generated revenue streams – such as royalties and other receivables – are being increasingly used as collateral to secure loans and other forms of financing.

All data provided in response to this survey and any follow up interviews will be strictly confidential and will only be used by the consulting firms, the IDB, CDB, JIPO and CCPF in relation to the design and implementation of this project. When such data is referenced in reports, data will be aggregated and anonymized.

If you require assistance, please contact Cristina Castañeda at cristina@natlaw.com.
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1. Name (first and last name) *
2. Organization, Company Name *
3. Title / Position in your Organization *
4. Email *
5. What is the profile of your typical borrower (size of the business, individuals, other)? *
Required
6. How does your institution define Micro, Small and Medium size businesses? *
7. Do you offer targeted financing products for women-owned or women-led businesses, if so, what are such products? *
8. What kind of collateral is most typically used to secure loans granted to SMEs? (rank in order: Land, Vehicle, Inventory, Equipment, Intangible Assets, IP, All of the Borrower’s assets). *
Land
Vehicle
Inventory
Equipment/Machinery
Intellectual Property Rights and revenue
Intangible Assets
All of the Borrower's Assets
1st most typically used collateral
Second
Third
Fourth
Fifth
Rarely used
Never used
9. Provide an overview (including timing of the steps) of the application process for a small business loan secured with movable property collateral? *
10. What steps do you take to assess whether the borrower’s assets are adequate to function as collateral? *
11. What is your process for assigning value to the collateral offered to secure a loan? *
12. How do you monitor the value of the collateral while the loan is outstanding? *
13. Do you have special risk management policies and processes applicable to loans collateralized with IP? (If not specific to IP, what are the general risk management policies and processes). *
14. Please share a copy of the risk management policies and processes (IP specific or general if IP specific does not exist) in an email to Natlaw@natlaw.com. *
15. How do you measure borrowers’ creditworthiness? Do you use technology (software, big data, non-traditional data like smartphone data, etc.), to assess a borrower’s creditworthiness, rating or score? *
16. Do you use any blockchain applications in any of your banking processes? *
17. What do you consider are the challenges in accepting IP as collateral for loans? *
18. What do you consider are opportunities for your institution in accepting IP as collateral for loans? *
19. Please send a copy of your loan application and relevant documents that borrowers and bankers need to complete and process for the approval of a loan to natlaw@natlaw.com *
20. Please send statistical data (including any available demographics) on loans secured with movable property and/or IP from January 2019 to January 2021 (relevant data: type of borrower, individual or business – gender, age, women-owned, start-up, old loan amount, term, collateral) to natlaw@natlaw.com. *
21. Would you be interested in participating in the pilot test of an IP asset-based lending product this year? *
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