CapexMD: Fertility-Focused Financing with Compassion and Speed

A Mission Rooted in Personal Fertility Experience

CapexMD’s founding story is deeply personal. Having faced fertility challenges firsthand, the company’s leadership recognized a gap in the market traditional lenders didn’t understand the urgency or emotional complexity of fertility care.

“Having experienced my own fertility struggles, I realized there were no options for patients going through this,” the founder explains. “It was important to offer financing solutions—and have personal experience. Most of our loan specialists are IVF recipients themselves.”

This patient-first approach has shaped the company's mission: to make fertility care financially accessible, compassionate, and streamlined.

Why CapexMD Over Traditional Banks?

Speed, empathy, and purpose-built design make CapexMD stand out.

While traditional banks may take up to 90 days to process a loan, CapexMD typically completes applications and disburses funds in just 2–5 business days. That speed matters—because as any intended parent knows, fertility is all about timing.

Fast, Friendly, and Transparent: How the Loan Process Works

CapexMD offers a fully digital application process through its secure website. After submitting the initial form, a dedicated loan specialist contacts the applicant to understand their needs, timelines, and providers. From there, all documentation is gathered electronically, and CapexMD coordinates directly with clinics, agencies, or pharmacies to verify costs.

Once approved, loan documents are signed digitally, and funds are disbursed directly to providers—eliminating delays and reducing stress for the patient.

Flexible Loan Amounts and Terms

CapexMD currently offers loans from $3,000 to $50,000, with repayment terms ranging from 6 to 60 months. Borrowers are free to choose their repayment schedule, and there are no penalties for early payoff or extra payments.

“We recommend selecting a longer term like 60 months for a lower monthly payment,” they explain. “Then, borrowers can pay it off early at any time and save on interest.”

Customized for Fertility, from IVF to Surrogacy

CapexMD loans can cover a wide range of fertility-related costs, including:

• IVF and ICSI
• Egg donation and sperm donation
• Surrogacy programs
• Genetic testing (PGT-A)
• Medications
• Lab and clinic fees
• Cryopreservation
• Services from agencies, egg banks, embryo donation networks, and more

Even if your provider isn’t yet in CapexMD’s network, they may still be able to assist with specific components like pharmacy or lab fees.

Designed to Include, Not Exclude

CapexMD’s team understands that not everyone has perfect credit. Because fertility is their sole focus, they evaluate each applicant individually and welcome co-borrowers or guarantors.

Family members or friends can also apply on behalf of the intended parents—whether to partially assist or fully fund treatment.

In addition, their application process uses a soft credit pull, which means applying won’t impact your credit score.

No Surprises: Fees, Portals, and Transparency

Depending on your state, a refundable $25 application fee may apply. If an application isn’t approved or doesn’t move forward, no further fees are charged.

Once a loan is approved, borrowers receive access to an online portal where they can view payment history and loan details. While paper statements are not sent, the portal ensures transparency and easy access.

Partnerships That Reduce Stress

CapexMD works directly with fertility clinics, agencies, and pharmacies. This partnership model allows them to disburse funds directly to your providers, removing the burden from the patient and helping you move forward with confidence.

A Word of Caution on 0% Offers

When asked what advice they'd give to those just starting to explore fertility financing, CapexMD warns intended parents to be wary of 0% interest loan offers:

“At best, those providers will charge you a fee just to be considered for a loan. At worst, the interest rate can jump to 30%+ after a short introductory period. Always read the fine print.”

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Final Thoughts

At Expecting.ai, we believe in helping intended parents find not just the right fertility services, but also the right financial partners to make their dreams possible. With its compassionate staff, fast approvals, and fertility-first approach, CapexMD is a valuable resource for families navigating the emotional and financial journey of assisted reproduction.