• Inventors with active intellectual property rights
  -Must be a Filipino
  -Must be of good moral character and has not been convicted of any case

  -For applicant inventor 60 years old and above, must have a co-maker/co-borrower

  -No outstanding with DOST-TAPI and other DOST agencies

• Enterprises duly authorized by Inventors to use their patent through a Deed of Assignment
  -Single Proprietorship (Filipino citizen)
  -Partnership (100% Filipino-owned)
  -Corporation (at least 60% Filipino-owned)
  -Cooperative

• State universities and colleges, government agencies, and LGUs with active intellectual property rights and likewise, endoresed by DOST-TAPI

• Up to 85% of the total loan to be financed (but maximum amount of Php
12.50 million)
• Up to the repayment capacity of the borrower, whichever is lower
• Borrower's equity is minimum 15%, in cash or in kind

• Acquisition of fixed assets/capital expenditures/production materials
• Working capital

• LANDBANK Internal Fund – 5% per annum, subject to annual review
• DOST-TAPI IGF – 0%

• SEC/DT/CDA registration documents
• Audited financial statements
• Permits and licenses
• Statement of Assets and Liabilities
• Business Plan
• DOST TAPI endorsement letter
• Certificate of IP registration
• Deed of Assignment (if borrower is an assignee)

In partnership with the Department of Science and technology - Technology Application and Promotion Institute (DOST-TAPI), the Innovation and Technology (I-TECH) Lending Program is a government-backed loan initiative that helps Filipino inventors and technology developers turn their patented ideas into commercial products. It supports innovation and aligns with Republic Act 7459, which promotes Filipino inventions.

Eligible borrowers must be:

• A corporation or partnership that is at least 60% Filipino-owned.
• The inventor must be a major stockholder or managing partner.
• The business must be commercializing Filipino technology with active intellectual property (IP) registration.
• No outstanding obligations with DOST-TAPI.
• Businesses with pending IP applications may apply, but funds will be released only after official IP registration is submitted.

Projects must involve the commercialization of patented inventions that:

• Save or replace fossil energy
• Boost exports or reduce imports
• Improve production efficiency or reduce costs
• Enhance agricultural or industrial productivity
• Increase use of local materials
• Benefit the environment

Other projects under DOST priority sectors may also qualify.

Zero interest. This means you won’t be charged interest on your loan.

Loans must be secured. Depending on the loan amount, acceptable collateral includes:

• Intellectual Property (IP) assets
• Financed assets
• Real estate
• Receivables
• Credit insurance
• Other assets acceptable to the bank