Many of pharma SMEs are first generation entrepreneurs.  Many of them have put in lot of work experience with other leading national or international organizations and started their own industry.  In view of this, they are strong in technical management, but not so in financial management.  Their financial status is also not very strong to tide over any urgent / short term financial requirements.

Lot of these pharma SMEs either work as contract manufacturers to large pharma units or distribute their product through trader, in either cases they are not in a position to bargain terms to their advantage or realization of their bills would take longer period. There is a need to provide financial assistance to SMEs in this area.