Match with a Medically Cleared Surrogate in Weeks
Skip the 12-month wait. Access surrogates who are medically cleared before you match.
- The Nation’s Only Physician-Managed Program
- Rapid Matching with Zero Waitlists
- Medically Prescreened Upfront
- Transfer-Ready in as Little as 4 Weeks
- Zero Fees or Contracts Until You Match
Unlock Profiles of Medically Cleared Surrogates
Skip the 12-month wait. Set your preferences below to access our database of physician-vetted, transfer-ready surrogates.
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Only Physician-Managed Agency with Medically Screened Surrogates.
95% of agencies lack clinical expertise, leading to 12-month delays and high medical rejection rates. As the nation’s only physician-led agency, we perform full medical clearance before you match. We eliminate the medical “black hole,” ensuring your surrogate is ready for transfer from day one.
Average Match in 1 Week. Start Transfer in ~30 Days.
Stop waiting 12 months for an unscreened match. Match in weeks, not months, with a surrogate who is already medically prescreened and ready to begin transfer prep in as little as one month.
Medically Cleared Upfront
Every surrogate passes her physical exams, labs, and toxicology at the IVF center before you match—eliminating the risk of late-stage medical rejections.
Clinic Compatibility
We ensure your surrogate meets the exact medical requirements of your specific IVF center to prevent broken matches and costly delays.
Fast-Track Legal
Our expedited legal process completes in 2–3 weeks, moving you from a confirmed match to your transfer cycle immediately.
Leverage the Physician’s Surrogacy Advantages
Upfront Medical Clearance
Eliminates the cost of travel and screening for surrogates who might fail medical visits later elsewhere.
Continuous OB Monitoring
Our in-house physicians provide direct medical oversight for the surrogate and baby from labs to delivery.
OB-Ordered Testing
Our doctors order comprehensive antenatal testing to ensure healthy fetal development and clinical certainty.
Total Financial Certainty
Flat-rate pricing and our Surrogacy Guarantee protect you from hidden clinical costs and broken matches.
Global LGBTQ+ Support
Proudly helping over 1,000 same-sex families navigate the path to parenthood safely.
Let’s make Your
Dreams Come true!
Our goal is to watch you revel in the joys of holding your baby.
Match Instantly with Medically Cleared Surrogates
Why wait for screening? Our current roster features surrogates who have already completed medical exams, labs, and record reviews at our IVF center.
29Years Old 
Status :
Medically ClearedLast Delivery :
2016Baby Twins :
No, embryo split okSurrogate State :
SCAC Section :
1Relationship With IPs
Weekly 29Years Old
Status :
Medically ClearedLast Delivery :
2017Baby Twins :
No, embryo split okSurrogate State :
SCAC Section :
Relationship With IPs
Open 31Years Old
Status :
Medically ClearedLast Delivery :
2016Baby Twins :
No, embryo split okSurrogate State :
SCAC Section :
0Relationship With IPs
Open 33Years Old
Status :
Medically ClearedLast Delivery :
2019Baby Twins :
No, embryo split okSurrogate State :
SCAC Section :
1Relationship With IPs
OpenSet your preferences to unlock medically cleared surrogate profiles.
Gestational Surrogacy Investment (Fixed & Protected)
Physician-Managed Fast-Track
A. Flat-Rate Transparency
Our program offers total financial certainty. Say goodbye to line-item benefits and hidden fees with our Fixed Flat-Rate models.
B. Screening Included Upfront
We medically prescreen every surrogate upfront. You match with surrogates who are already physician-approved for transfer, protecting your budget from lost screening fees.
Standard Agency Model
A. Unpredictable Costs
Most agencies use variable, itemized pricing. This makes it difficult to calculate your final balance and leads to “budget creep” during the journey.
B. High Clinical Risk
You pay for travel and medical exams after matching. If the surrogate fails her screening, your investment in that match is lost.
Finances Won't Stop Your Parenthood Dreams
Without question, costs and finances are essential considerations for Intended Parents planning a gestational surrogacy journey.
We have partnered with the best financial providers to ease the financial burden. These partnerships allow you to get customized loans and leverage employer benefits easily.
Our financial coordinators can help you identify the best resources for your situation, and you can apply directly for the benefits without impacting your credit.
Surrogacy Financing Options
We have partnered with various fertility finance providers to make your journey easier.
Fertility Financing with CapexMD
CapexMD specializes in patient financing services for all fertility treatment options. The vast majority of their Loan Specialists have gone through the IVF journey.
Through our partnership with CapexMD, we are able to offer customized loan programs with highly competitive rates that include a variety of loan types. Their simple loan process makes the experience of fertility financing relatively stress-free.
Their loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered.
Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and your treatment is not delayed.
Together with CapexMD, we can make sure financial issues do not get in the way of your dream of having a baby.
Some of CapexMD’s many advantages include:
Specialist in Fertility Financing- Highly Competitive Rates
- Approval within 24 Hours
- Highest Confidentiality
- No Prepayment Penalties
- Personal Attention
- Easy and Secure Online Application
- Flexible Terms
- No Annual Fees
- Retain Your Existing Credit Sources
Apply online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site or by calling 1-888-497-8414.
Comerica Bank (0% Interest Credit Cards)
Highlights
- Only applicable to CA, AZ, TX, FL, MI states
- No collateral required
- Quick access to funds
Details
- Loan amounts: Up to $25k
- Interest rates: 0%
Contact
- Mike Smith | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- MSSmith@comerica.com
- Dave Sandak | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- DSandak@comerica.com
Comerica Bank (HELOC)
Highlights
- Only applicable to CA, AZ, TX, FL, MI states
- Low, competitive rate
- Borrow as you need on a revolving basis
Details
- Loan amounts: Up to 500k
- Interest rates: 5.49%
Contact
- Mike Smith | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- MSSmith@comerica.com
- Dave Sandak | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- DSandak@comerica.com
Comerica Bank (Business Lines of Credit)
Highlights
- Only applicable to CA, AZ, TX, FL, MI states
Details
- Loan amounts: Up to $200k
- Interest rates: Variable
Contact
- Mike Smith | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- MSSmith@comerica.com
- Dave Sandak | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- DSandak@comerica.com
LightStream
LightStream offers low-rate, no-hassle, and virtually paperless IVF loans to borrowers with good to excellent credit. They are not FICO score driven and believe there is no single definition for “good credit.” However, they find individuals with good credit usually share the following characteristics:
Highlights
- A credit history including a variety of account types: major credit cards, vehicle loans, mortgage debt, etc
- A good payment history, ideally without delinquencies
- An ability to save, demonstrated by some or all of the following: liquid assets (stocks, bonds, etc.), down payments on real estate, retirement savings, and manageable revolving credit card debt
- Stable and sufficient income and assets to repay current debt obligations and any new IVF loan with LightStream
- Ultimately their determination of good credit is based on whether they conclude that there is a very high likelihood that you will repay the loan in a full and timely manner
Details
- Loan amounts: $5,000 to $100,000
- Credit scores:
- not FICO score driven (see above qualifiers)
- Loans $20,000 – $100,000 need a credit score of 740+ and requiry a hard inquiry for approval
- Terms: 24 months to 144 months
- Interest rates: 3.49% to 19.99%* APR with autopay
Prosper Healthcare Lending
Prosper makes IVF loans easy. From the comfort of your living room, answer a few questions, and get your lowest eligible rate instantly. Select the offer with the terms that work best for you, and the money will be sent directly to your account within three days.
Highlights
- Soft credit pull
- Easy qualification in 2 minutes
- Loans are sent directly to You
Details
- Loan amounts: $2,000 – $35,000
- Credit score: 640+ & no negative impacts
- Terms: 36 & 60 months
- Interest rates: 5.95% – 19%
Prosper Home Equity Line of Credit (HELOC)
Home Equity Lines of Credit (HELOC) are loans that allow you to borrow against the equity you’ve built in your home. To determine your home’s equity, you take the difference between your home’s value and your mortgage balance. HELOC’s often have much lower rates of interest than other loans, such as a personal loan, which are considered unsecured. With a HELOC, it’s crucial to understand that your home acts as “collateral,” securing the line of credit (also known as a “secured” loan).
Highlights
- Use as needed and pay everything off early
- Enjoy a year draw period, in which you can make interest-only monthly payments to enable you to borrow additional money during the draw period
- Variable-rate or ability to lock in a fixed rate
- Bank paid closing costs
Details
- Loan amounts: a maximum of 80% of the home’s value, less your current mortgage balance
- FICO Credit score: 660+ & debt-to-income ratio of 50% or better
- Terms: up to 15 years for repayment
- Interest rates: 3.49% – 10.35% Variable APR
SoFi Personal Loan
Highlights
- Fixed personal loan rates
- Same day on loan approval
- Zero origination fees
- Zero prepayment fees
Details
- Loan amounts: $5K- $100K
- Credit score: 650+
- Terms: 84 Months
- Interest rates: 7.99% APR to 23.43% APR
FAQS
What is a "Medically Cleared" surrogate?
Unlike standard agencies that match you first and screen later, our surrogates undergo full physical exams, toxicology, and medical record reviews at our IVF center upfront. You match with someone who is already physician-approved for an embryo transfer.
How do we move to an embryo transfer in just 30 days?
By completing the medical screening upfront and utilizing our 2–3 week “Fast-Track” legal process, we skip the months of waiting typical of other agencies. If you have embryos ready, you can begin the transfer cycle in approximately one month.
Why is a Physician-Managed agency safer for my budget?
In standard agency models, IPs often pay for travel and clinical fees for a surrogate who hasn’t been vetted. If she fails her medical screening, that money is lost. At Physician’s Surrogacy, our doctors clear surrogates first, ensuring you don’t spend money on a match that isn’t medically viable.
Can we start surrogacy before we have embryos?
Yes. While our Fast-Track program is optimized for those with embryos ready, you can begin the matching process while your embryos are being created.