Answers - Finance

The lack of collateral in an unsecured loan is a paramount feature. Notwithstanding the assort

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

ment of advantages that secured loans offer – and there are several in this case – the one thi

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

Examples of combination products may in

g people are sceptical about is putting their home at risk.

Unsecured loans solve a lot of is

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

ues for the borrowers. Firstly, there is the safety or the no-risk factor. Plus, the money can

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

be used any way the borrower wants. Generally, money from unsecured loans is used for purposes

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

Combination pro

like funding holiday vacations, financing children education, consolidating debts etc.

Unsecu

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

ed loans offer numerous benefits. The absence of collateral is the obvious one. Another import

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

nt feature is that, typically, the month instalments are fixed. In other words, even if the in

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

erest rate increases, the rest of the payment remains the same. The repayment term is somewher

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

between a year to ten years. The amount one can borrow with this loan varies from ?500 to ?25

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

000.

There are certain drawbacks to these loans though. One is that the amount loaned may not

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

Following aspects would a

necessarily meet the requirements financially. Another is that the interest rates are a little

dd to the challenges in developing combination products:

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

elevated, and this is engendered by the lack of collateral. Lenders do this to cushion repayme

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

t defaults from the borrowers.

A borrower with a good credit score finds it a lot easier to a

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

ail loans than the rest. Credit scores reflect the repayment capability of the borrower. Unsec

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

red loan borrowers, especially, find it difficult to get access to loans if they have an unsat

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

Professional from academic institutions, pharmaceutical industries, health care indust

sfactory credit record. Lenders palpably assume that they are more likely to default. However,

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

there are bad credit unsecured loans in place that cater to this stratum of the borrowing frat

.

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

rnity. These loans come with slightly elevated interest rates, as compared to other loans.

Un

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

Companies that provide selfless information through particip

ecured loans are available in banks, building societies, private lenders and the online portal

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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