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Creditors do not discount because they like it. They only discount if they are cornered into the unp

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

leasant situation of loosing in their investment. In other words creditors discount because if they

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

Examples of combination products may in

on’t they will loose even more. The higher the chance they will get paid at the auction sale, the le

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

ser the chance they will discount, if at all. The lower the chance they will get paid at auction, th

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

higher the chance and amount creditors will discount.

Creditors discount debt secured by real prop

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

Combination pro

rty based on their convenience and risk.

If they will surely get paid they will not disco

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

nt at all.

If they will most likely get paid most of what they are owed they will discoun

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

somewhat.

If they will definitely loose an amount but still get something at the auction,

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

they will discount based on how much are they sure to get at the auction. The short sale they will a

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 will most likely be just above what the creditor expects to get at the auction.

If t

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

e creditor will most likely get nothing at the auction, they will be inclined to discount heavily in

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

Following aspects would a

order to get a recovery.

In addition, banks and other large institutional creditors, d

dd to the challenges in developing combination products:

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

scount according to their own policies. The type of loan also affects a bank’s ability or latitude f

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

r discounting and accepting short sales. This subject will be presented in further detail later in t

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

is chapter.

Regardless of the type of creditor secured by the property, the chances of them getting

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

paid at the auction sale are directly correlated to their secured equitable position in the property

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

Professional from academic institutions, pharmaceutical industries, health care indust

All this is reflected it the title report. For the moment it suffices to say that the further down

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

creditor is in the title report, the less likely it is going to get paid and the most likely the cr

.

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

ditor will discount. This subject will be presented in further detail later in this chapter.

(C) 20

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

Companies that provide selfless information through particip

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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