Top Adding - Real Estate

It was hot and dusty in the wide open street. The steely-eyed man with the badge standing in f

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

ront of the small retail center was perfectly still, totally focused on the bank underwriter w

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

Examples of combination products may in

ho had stopped his scribbling on the yellow pad. The underwriter looked scared ... very scared

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

as the Sheriff said: "Put the pen down, pahdner ... and put it down real slow-like."

OK ... s

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

o it's a bit dramatic. But there is a new class of lender in the small commercial loan market

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

Combination pro

one that I call "Hybrid Lenders." For loan amounts up to $1.5MM on commercial properties, we

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

can get the Loan-to-Value (LTV) as high as 90% in some cases regardless of the property's cas

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

h flow. For those of you who have been in the business for a while, you might be somewhat sho

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

ked at that statement. But there may be some of you who are thinking: "Big deal, Higdon. I

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

can get that and even better on my home!"

That's true. But then you probably don't know that

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

until recently, most lenders in commercial real estate based their loan amounts on the propert

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

Following aspects would a

y's ability to pay the loan payments without regard to how much the buyer made. So even if th

dd to the challenges in developing combination products:

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

e borrower made an extra million dollars a year, traditional lenders wouldn't increase a comme

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

cial loan amount past their guidelines. On top of that, you'd usually see a maximum LTV of 75

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

% on most commercial properties, with 80% being the top on apartments. So what changed?

Thes

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

new lenders blend commercial underwriting with residential. They look at the whole picture w

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

Professional from academic institutions, pharmaceutical industries, health care indust

hen considering "free" cash flow and the borrower's ability to pay the payments on the loan.

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

They also require full recourse, meaning that they'll come after the borrower's other assets i

.

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

the event of non-payment, and they charge more in rate. The good news in all of this is that

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

Companies that provide selfless information through particip

you can get into commercial real estate with far less capital than you have in previous years

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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Top Adding - Commercial Loans: There are Some New Sheriffs in Small Property Town

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