Encyclopaedia - Finance

A new trend dubbed “peer-to-peer” financing is emerging in the financing arena and it’s a

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

lready more common than most people think. Instead of borrowing money from a bank or oth

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

Examples of combination products may in

er financial institution to purchase real estate or small businesses, private individuals

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

become the lenders.

Surprisingly, this “new” trend isn’t so new at all. People have bee

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

n lending money to their peers for hundreds of years. Today, these transactions are form

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

Combination pro

alized through Cash Flow Notes, a written document that states a promise to pay and the t

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

erms of the agreement. The untapped peer-to-peer lending market: Cash Flow Notes

Financ

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

ng through a cash flow note is an attractive option for many transactions, particularly r

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

eal estate. Now a $350 billion industry, peer-to-peer seller financing is a growing glob

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

al phenomenon. Already, the sale of most small businesses incorporate peer-to-peer lendi

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

ng and one in 13 American homes is purchased using these cash flow notes.

Currently, the

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

Following aspects would a

re are approximately $91 billion in privately held single-family residences and another $

dd to the challenges in developing combination products:

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

200 billion in commercial real estate notes. In fact, there are so many cash flow notes

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

in the U.S. alone that if you could find and purchase $1 million worth of notes every day

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

it would take more than 240 years to find them all.

Two ways to make money

Most people

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

get started in cash flow notes by simply matching a seller – someone who is holding a no

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

Professional from academic institutions, pharmaceutical industries, health care indust

te – with a buyer and then collecting a fee for putting the deal together with no capital

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

outlay required.

Additionally, many investors are looking to buy these notes. It is no

.

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

t uncommon to receive returns of 20 percent or more as well as immediate monthly cash flo

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

Companies that provide selfless information through particip

w and because these notes are secured by real estate, they are extremely safe investments

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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