Patient Financing · Fertility & IVF
Fertility clinics using multi-lender financing see more new patients convert from consultation to active cycles. IVF and egg-freezing cycles finance cleanly across 36 to 72 month terms. The practice is paid upfront.
Typical financed range across IVF cycles, egg freezing, and genetic testing
Median patient application time post-consultation
No impact to patient credit to see offers
Extended term options for multi-cycle protocols
How Financing Works
A single IVF cycle frequently runs $15,000 to $25,000 including medications. Multi-cycle packages often exceed $40,000. Single-lender financing programs do not reliably serve this ticket range. Our lender rotation includes specialty partners built for it.
A $25,000 cycle over 72 months translates to a payment patients can actually absorb. The lenders in our rotation for fertility include those who offer longer terms on larger tickets, which is the combination that makes fertility financing workable in practice.
Time matters in fertility. Patients who defer often defer past their window. Financing that removes the upfront cost barrier moves more consultations into active cycles, which is clinically and commercially the right outcome.
The practice is paid at funding, typically within two business days of the patient accepting an offer. Lab operations, medication costs, and staff compensation do not need to wait on a patient's payment plan.
Typical Cases
IVF Cycle
Single IVF cycle including monitoring, retrieval, and transfer. Medication costs sometimes financed separately, sometimes bundled.
Multi-Cycle Package
Two or three cycle packages with shared risk or refund provisions. Longer-term financing keeps monthly payments manageable.
Egg Freezing
Single cycle with storage. Patients are often younger and financing access genuinely determines whether the procedure happens in their preferred window.
Who This Fits
Frequently Asked
IVF and egg-freezing tickets often exceed what single-lender consumer financing programs will underwrite. Specialty lenders exist who are built for fertility financing at the $15,000 to $50,000 range with 60-month-plus terms. A multi-lender rotation gives your practice access to those specialty lenders alongside mainstream consumer lenders, so more patients find a fit.
Yes. Our lender rotation includes partners who finance multi-cycle packages as a single transaction, which is often preferable to financing each cycle separately. The extended terms available on these larger tickets keep the monthly payment in a range patients can sustain.
Medication financing is frequently bundled with cycle financing under a single application, depending on the lender. Some lenders prefer to finance the clinical procedure and medication separately; others handle the combined ticket. Our team helps structure the presentation at enrollment to match how your practice prefers to bill.
Practices offering shared-risk, refund, or money-back programs can finance those through our platform like any other ticket. The lender funds the amount the patient owes at the point of signing. If a refund is later owed per the practice's program terms, that refund flows back per the practice's usual process.
A $375 platform setup fee applies to provider enrollment, disclosed in writing during onboarding. No per-application fees and no monthly minimums.
No. Core Ascent is a facilitator, not a lender. Capital is provided by vetted third-party lending partners, and credit decisions are made by those partners. See our Trust Center for full disclosures.
Next Step
Enroll your fertility practice or talk to our team about multi-lender financing built for IVF and egg-freezing cycle economics.
Trust & Disclosures