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In difficult economic times, such as we're experiencing today, many of us struggle to meet our obligations. When the cost of living rises, ther

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

e must be a commensurate rise in income to keep our budgets in line. Sometimes a single circumstance changes in our lives, and we suddenly find

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

Examples of combination products may in

ourselves in a financial bind. Banks are always on the lookout for new ways to make money, and offer all sorts of finance packages designed to

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

keep you consuming and afloat. One such offer is the interest only loan.

As the name suggests, an interest only loan requires only that you p

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

ay the interest on the principle borrowed, on a monthly basis. At first glance, this can seem an attractive bailout from an unattractive financ

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

Combination pro

ial situation. Sometimes the stress of dealing with a hand-to-mouth financial condition can tip the balance between common sense and a poor dec

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

ision.

This is about the point where you'd be ready to throw up your hands and go for one of these imaginative bank deals. Anything to be rid

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

f the worry you're going through right now. Get the loan, get creditors off your back and make one single small payment. Sounds good? Not so fa

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

st!

If you're already in a disadvantaged financial position, you need to carefully consider the long term effects of taking an interest only l

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

oan. If you borrow $5,000 on an interest only loan agreement, you can find immediate respite to the daily stresses, with an initially minimal p

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

ayment the only consequence. You can deal with that a lot easier than this constant hassle. Let's say your interest rate works out to 10% APR.

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

Following aspects would a

This means that each year you will pay $500 in interest. The payment is really no big deal, but the fact remains you still owe the $5,000.

Too

dd to the challenges in developing combination products:

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

often, desperate measures are employed to alleviate immediate stress, while ignoring the fact that you're buying in to long term consequences.

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

If you need the interest only loan as a means to stay afloat and sane today, chances are this is not a good financial move.

There are situati

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

ns where the interest only loan works, but ironically, this is usually when you have a lot of other options on the table, and don't need to exe

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

rcise this as your last resort. When used as a short term vehicle to maximize cash flow while waiting on your receivables, the interest only lo

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

Professional from academic institutions, pharmaceutical industries, health care indust

an can be beneficial and a smart move.

In summary, if you're already struggling, it's probably wisest to avoid this type of loan, because in t

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

he long term, you may find yourself in a worse situation than before you took the loan. Unfortunately, you've got to have some money behind you

.

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

to take advantage of the up side of the interest only loan. Should you be undecided as to whether this is a good move in your particular situa

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

Companies that provide selfless information through particip

tion, consult a financial advisor. If you cannot afford to consult a financial advisor, you have your answer. Be smart and preserve your credit

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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Stress abounds today's work environment-moody bosses & co-workers, repetitive tasks & unpredictable market pressures. Humor can help maintain a healthy balance between the pressure & seriousness which comes from high stakes jobs & a competitive marketplace.

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