Answers - Finance

Today, it is not very surprising if someone falls victim to predatory

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

lending or loan fraud.

Here are a few ways in which you can avoid bec

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

Examples of combination products may in

oming a victim yourself.

• Take your own sweet time before you take a

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

decision. Do a survey and compare prices offered by different lenders

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

. Do not do the mistake of doing business with a lender or broker wh

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

Combination pro

o tells you that they are your only chance to get a loan or owning a h

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

ome!

• Make sure you read the sales contract very well before signing

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

it. Do not sign blank loan documents.

• Also, ensure that the costs

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

and loan terms stated at the closing are the same as what were told to

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

you initially. Be careful while signing any important document.

• Do

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

not do business with a lender who tries to convince you to lies about

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

Following aspects would a

your income, expenses, or cash available for down payments, in order t

dd to the challenges in developing combination products:

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

o get a loan.

• Do not go for higher-risk loans like balloon loans, s

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

teep pre-payment penalties, etc.

• Do not disclose information about

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

your debt problems. Do not refinance your home’s equity again and agai

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

n unnecessarily.

• Do not get lured by false appraisals.

• Do not bo

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

Professional from academic institutions, pharmaceutical industries, health care indust

rrow more money than you can afford to repay. After all, you can not r

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

isk your own house and all of your money.

• It is beneficial to obtai

.

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

n quotes from several lenders as this will help you to ensure that no

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

Companies that provide selfless information through particip

discrimination is being done on basis of your race or your nationality

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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Answers - Avoid Becoming A Victim Of Predatory Lending

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