Systems including computer readable programs and methods of evaluating loan applications and extending loans to borrowers secured by the borrower's undeveloped, but potentially patentable and/or marketable invention idea, includes evaluating an invention idea invented by a borrower, assigning a value to the invention idea and determining an amount of money to extended to the borrower, and obtaining one or more of an ownership interest in the invention idea or a security interest in the invention idea as collateral. Also disclosed are criteria for conducting an analysis of the invention idea to determine one or more terms of a loan to be extended to the borrower.