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When a loan is taken against a property that is placed as a collateral with the lender then in that case the borrower is availing secured l

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

oan. This type of loan is generally given preference because of many benefits attached to it. People like to opt for secured loan as they a

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

Examples of combination products may in

re in a commanding position over the vital matters of deciding on rate of interest and the amount of loan.

Under the option of secured loa

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

n, a borrower has to offer any of his property to the lender as a collateral. The collateral works as an assurance to the lender that his l

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

aned amount is safe. A borrower can offer house, real estate, car, bank account etc as a collateral. But the lenders may prefer a saleable

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

Combination pro

collateral like automobile.

Those who are looking for greater amount to borrow generally prefer secured loans. People facing bad credit hi

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

story are also often a candidate for secured loans. Then there are borrowers who find it difficult to get unsecured loans and then they thi

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

k it better to get loan against their property.

One can use secured loan for various personal purposes such as house improvements, buying

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

a car or enjoying holiday. Secured loans are of big help to borrowers who need to consolidate their previous many debts so that they may im

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

prove their credit report and may get rid of high interest rate debts.

Lenders find out the value of the collateral before they decide on

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

he loan amount. If the collateral has higher value in it, the lender will not only be willing to offer higher amount but also a lower inter

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

Following aspects would a

est rate. Usually secured loans are provided in the range of ? 3000 to ? 75,000.For greater amount the collateral value should be higher.

dd to the challenges in developing combination products:

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

Secured loans can be availed for a comfortable duration of up to 25 years and one can choose between the option of paying installments eith

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

er monthly or quarterly.

However, there is a risk involved in secured loan. In case the borrower fails to pay off the loan then the lender

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

is likely to take the course of repossession of the property to get back the loaned amount.

So before you go for a secured loan make sure

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

that you have calculated the exact amount you are going to ask the lender. Do not borrower a larger amount as it may become a huge financia

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

Professional from academic institutions, pharmaceutical industries, health care indust

l burden later and create problems.

Always compare different loan packages that are offered online by number of lenders. This helps in ava

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

ling secured loans at lower interest rate.

Applying for secured loans is a very simple and quick process because of the Internet. Few clic

.

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

ks on the computer and you have applied for the loan.

Secured loan thus is seen as the best option for those borrowers who look for great

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

Companies that provide selfless information through particip

amount of loan at lower interest rate. Though there are pitfalls but they can be avoided by taking extra care about the aspects of the loan

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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