Parenthood made affordable

With fertility financing solutions tailored to your patients

Why partner with CapexMD?

White-glove patient support — and a 5-star Google rating to prove it

0% financing for 6 months*

NEW

Fast loan processing — we service our own loans and provide the highest level of confidentiality

No impact on credit score to apply or accept a loan offer

Loans up to $60,000; terms up to 84 months*

Low fixed rates — flexible terms designed to reduce barriers to treatment

One loan covers all treatments and additional services from multiple providers. Funds disbursed directly to you and other providers.

Supports patients through every cycle — returning patients can access financing for future treatments as their journey continues

We're not some big international bank or all-purpose lender. Like you, we're specialists, with over 15 years experience exclusively in fertility financing. You're not just a number to us. You're our valued partner, and we make sure you're treated that way.

Join Us

As seen in

Grow your practice with us

As your patients work to create their families and realize their dreams, cost shouldn’t be a barrier. We ensure your patients have the funds they need so there are no interruptions in treatment.

The fertility journey is stressful enough—how to pay for it shouldn't be. Our friendly, experienced loan specialists, many having been through fertility treatment themselves, kindly and sympathetically help your patients navigate the process and get funded, fast and easily.

We help your patients’ dreams become your success stories. And happy patients are more likely to return and refer their friends.

Questions? Contact us

How it works

Apply online

in about 5 minutes

Same-day review

when submitted before 2 pm ET*

Customize terms

with our experienced loan specialists*

Sign documents

Funds disbursed

directly to your provider(s) within 2 business days*

One loan, all aspects of treatment

Even for multiple providers.* We handle all the details.

IUI, IVF and ICSI
Medications including Follistim & Gonal-F
Genetic testing
Egg freezing
Egg & sperm cryobanks
Frozen Embryo Transfers (FETs)
Donor fees
Surrogacy agency fees
Hysteroscopic surgery & laparoscopy
Or any other protocol your doctor recommends

Our partners

Join the hundreds of fertility providers, doctors, egg and cryobanks, genetic labs, and pharmacies in the U.S. who already work with us.

Get in touch

Whether you'd like to join our provider network or are already a partner and have questions, schedule a call with AJ Rosenfield, our Director of Client Relations, via Calendly.

New & prospective partners

Initial meeting

Existing partners

Business review Training refresher

Frequently asked questions

Is there a fee to join or annual fees with CapexMD?

There is no cost to join our network of partners and there are no annual fees.

Do you provide training for financial counselors?

Yes, onboarding your practice includes a detailed training, so that you are comfortable understanding all of the processes and referring patients. Additionally, we are happy to do refresher trainings for new team members.

Do you disburse funds to provider or patient?

All funds are disbursed to providers, ensuring the loan is used for the intended purpose of proceeding with their fertility treatment/needs.

Can patients include other costs/fees in your loans?

Yes, we partner with clinics, pharmacies, egg banks, cryobanks, laboratories, and more! Disbursement of funds to each provider is completed, at the time the loan is finalized.

How do our patients know they are on the correct application page?

Our systems will display your logo, to ensure the patient is confident in proceeding with the application.

Does applying or borrowing from CapexMD impact my credit score?

CapexMD uses a soft credit inquiry on all applications, which has no impact on your credit score. Unlike traditional lenders, CapexMD does not run a hard credit inquiry even if you accept our loan offer. CapexMD does report your loan balance and payment history to credit bureaus. So while applying and funding a loan does not hurt your credit score, paying on time can help you build your credit, while late payments could negatively impact your score.

What do you use to decide if patients qualify for a loan?

After speaking with the patient, we review a variety of criteria to determine how much we can assist with and what the terms will be.

Do you market our patients with products, sell their information, or sell the loan?

No, all information is retained internally, for full confidentiality. We are not a broker, thus retain all loans for servicing and customer service.

Do you publicize us on your website?

Yes, our website links to yours, so that prospecting patients can visit your site.

Do you provide marketing materials?

Yes, you will receive all details needed to update your website and hard copy brochures for waiting rooms and/or new patient packets.