Abstract: A skin lightening complex having a skin lightening agent such as hydroquinone. The complex can be formulated in a concentrate form for later dilution as a product for topical application. The concentrate can be diluted such that the product is available as a pharmaceutical product with a high coincentration of active ingredients or as an over the counter product with a lower concentration. The concentrate is diluted with suitable carriers for the particular product. The formulation allows dilution of a high concentration of active skin lightening ingredient and has antioxidants and other ingredients for stable shelf life.