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In this era where income is not sufficient to cover the expenses whether being a household or business, everyone faces the problem of funds to meet their need

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

s.

While taking loans, people look into different criteria. Most of the people look for the package which provides them low interest rate and easy monthly in

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

tallment. One can easily get this package in secured loan.

Secured loan are the most popular loan among the asset holders. It helps the person in procuring f

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

inance against the collateral placed by them. But the amount the person can borrow depends primarily on the value of the collateral placed. When secured loan

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

s approved, the title of the asset is transferred to the lender but the ownership remains with the borrower. But on making any default the lender has the lega

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

right to liquidate the asset against the arrear.

Secured Loans can be used for d

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ifferent purposes. For instance it may include:

• Debt consolidation
• Home improvement
• Holidaying
• Buying a car
• Expansion of busine

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

s
• Miscellaneous

The person can also take secured loan for specific purposes. For example, if he wants a loan for debt consolidation, he can apply for

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

secured debt consolidation loan; if for expansion of business then business loan may be taken, so on.

One should study all the terms and condition before app

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

ying because sometimes it may contain the hidden clause. That can affect the borrower afterwards. The person should be alert while entering in the agreement.

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

Interest rates are dependent on the credit situation along with the prevailing market. Therefore, interest rates and monthly repayments may vary from person t

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

o person. Secured personal loan can be paid off in maximum of 25 years, depending upon the amount being borrowed.

While people with bad credit history genera

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

ly have hard time getting unsecured loans, lenders are more likely to give these people secured loans because there is lower risk involved. Even if you have b

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ad credit, banks will still give you secured loans because your property will be used as collateral. On timely repayment of installment, the persons with bad

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

redit history can improve their credit score.

The advantages which secured loans offer are:

• Easy availability
• Easy approval
• Low interest rat

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

• Longer repayment period
• People with bad credit can apply

Nowadays, one can easily apply for the Secured loan through banks, financial institut

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

ion, building societies and other lending companies. You can also apply online for the loan so you don’t have to leave your place. The person can fill the app

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ication form online itself. Online system provides a platform for the borrower to compare the various lenders, with more ease and saves lot of time. These len

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

ders provide the loan at convenience of borrower

Might be you are worried about which lender to borrow from. There are number of lenders available in the mar

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

et. But no need to worry; all you need is to evaluate each lender on the basis of amount required, terms and conditions and chose the one that suits your need

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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