Financing Your Fertility Journey with CapexMD: Q&A

Starting a fertility treatment journey is a big step, and navigating the financial side can sometimes feel overwhelming. Understanding your financing options is key to reducing stress and ensuring that you can focus on what matters most: starting your family. Our partners at CapexMD are here to guide you through every step of the way. We’ve recently interviewed AJ Rosenfield, Director of Client Relations about financing your fertility treatments through CapexMD and compiled some of the most frequently asked questions.

What should I look for in a financing lender?

When looking for a financing provider, it’s crucial to choose one that specializes in fertility financing. A lender that focuses solely on fertility, like CapexMD, ensures that your unique needs are understood and prioritized. At CapexMD, we specialize exclusively in fertility financing, meaning 100% of our efforts go into supporting your treatment journey. Our Loan Specialists are often fertility recipients themselves, which helps to reduce stress and make the process smoother for you.

Can I include other treatment costs outside of donor sperm?

Absolutely! At CapexMD, we partner with over 350 clinics, more than 20 laboratories, nearly 30 specialty pharmacies, and more. This broad network allows us to cover a wide range of fertility-related expenses. As long as you qualify for the loan funds, we can help finance not just donor sperm, but any other fertility treatment costs associated with your care, from IVF to medication.

Tell me more about what to expect for terms and interest rates.

CapexMD offers loan amounts ranging from $3,000 to $50,000, allowing you to cover the full range of treatment costs. We provide flexible repayment terms, from 6 to 60 months, so you can choose a schedule that fits your financial situation. One of the best parts about working with CapexMD is that there are no prepayment penalties. This means that if you decide to pay off your loan early or make extra payments, you won’t be penalized.

Will I be penalized for repaying the loan early?

No, you won’t. At CapexMD, there are no penalties for paying off your loan early. Whether you want to make extra payments or pay off the loan in full ahead of schedule, we want to support you in managing your fertility treatment financing as efficiently as possible.

If I’ve had past credit issues, should I have my partner apply for the loan?

Each financial situation is unique, and at CapexMD, we understand that. We work with individuals in a variety of circumstances, and our Loan Specialists are dedicated to finding the best options for you. If you have had past credit issues, you’re still welcome to apply on your own, or you may choose to have a partner, friend, or family member apply with you or on your behalf. Our team will guide you through the process to find the best solution.

I’m looking to get started with my journey this month. How quickly can I get a loan?

We understand that timing is crucial in your fertility journey, and CapexMD works quickly to get you the financing you need. If you submit your application before 2pm ET (Monday-Friday), we usually begin reviewing it the same day. While we strive to finalize loans within a few business days, some factors, such as procuring necessary documents and verifying information with medical providers, may take a little longer. Rest assured, we do our best to expedite the process and keep you informed every step of the way.

I was planning to use my credit card to pay for treatments, how would this be different?

Using credit cards for treatment costs may seem convenient, but they typically come with high, variable interest rates, which can create long-term financial stress. In contrast, CapexMD offers fixed interest rates that are typically about half the rate of most credit cards for 90% of our borrowers. By choosing CapexMD, you can avoid the stress of fluctuating interest rates while keeping your credit cards available for any unexpected costs during treatment.

How do I apply?

Getting started with CapexMD is easy! Simply visit our application page at CapexMD Loan Application, and you can begin the process of securing the financing you need for your fertility treatments.

Whether you’re just starting your fertility journey or looking for financial support to continue your treatment, our partners at CapexMD are here to make the process as stress-free as possible. They understand the importance of this moment in your life and are committed to helping you navigate it with confidence and peace of mind.