Physician’s Surrogacy gives you one fixed and flat price for your whole journey and introduces you to trusted financial partners who help you get there, with nothing due until your match is confirmed.
Three things that make the financial side of surrogacy predictable with us, before you sign the agreement.
You receive a personalized, all-in quote before you commit, and once your program is set, your price is fixed. Surrogate compensation, legal contracts, IVF coordination and prenatal testing are all inside it. No new line item appears after you have started.
Every surrogate you meet is already medically and psychologically cleared by our in-house medical team, so no match is lost to a failed screening and no money is spent on a journey that has to restart.
Other programs ask for a retainer or deposit before anyone knows whether the match will hold. We ask for nothing until you have confirmed your surrogate, and every payment after that sits in an attorney-held trust account managed by a licensed third party, released only as the contract says.
The structural differences that decide what you end up paying, and when.
Fixed and flat. No hidden charges, no mid-journey additions.
Variable fees, with charges added mid-journey.
Nothing due until your match is confirmed.
A retainer or deposit before matching begins.
Medically and psychologically cleared before the match. No failed screening, no restart costs.
Screened after the match. A failed screening restarts the journey, at your cost.
An attorney-held trust account managed by a licensed third party, released on the contract's schedule.
Reimbursements handled by the parents directly.
In-house OB/GYNs and reproductive endocrinologists, from the match to the birth.
Non-medical coordinators.
Most families combine 2 to 3 sources. Our financial planner can help you map the right options for you before you commit to anything.
01
Personal savings
No debt, full control. Set up a dedicated account and automate monthly contributions toward your journey total.
02
401(k) loans
Borrow up to 50% of your vested balance. Consult HR and a tax advisor first; early withdrawals can trigger penalties.
03
Employer benefits
Many large employers now cover surrogacy costs. Check your plan documents for "third-party reproduction" coverage; it may cover more than you expect.
04
Surrogacy grants
Non-repayable funds from Baby Quest, the Cade Foundation and others. Apply early; grant cycles take 6 to 12 months.
05
Credit and personal loans
Best for smaller expenses or bridging gaps. Prioritize 0% introductory APR cards with a clear payoff plan in place.
06
Home equity (HELOC)
Lower interest rates than personal loans. Your home is collateral; plan repayment carefully before proceeding.
07
Family and friends
Gifts or structured loans from your network. Always put terms in writing; even a simple agreement protects the relationship.
08
Crowdfunding
Campaigns that share your story can generate meaningful contributions from your personal network. Best used as a supplemental source alongside a core loan.
We have vetted these partners for surrogacy and fertility financing. Each offers different terms, so compare before you commit to any one.
CapexMD
What they offer
Fertility financing specialist. All-inclusive coverage: IVF, genetic testing, medications and agency fees.
Amounts and terms
Up to $60,000. Repayment terms up to 84 months. 0% financing on 6-month term loans.
Good to know
24-hour pre-approval, no hidden fees. Many of their loan specialists have been through IVF themselves.
Comerica Bank, 0% interest credit cards
What they offer
Credit cards at 0% interest to fund the journey, no collateral.
Amounts and terms
Up to $25,000.
Good to know
Residents of CA, AZ, TX, FL and MI.
Comerica Bank, home equity line (HELOC)
What they offer
A revolving credit line against your home's equity. Borrow as needed.
Amounts and terms
Up to $50,000. 5.49% interest.
Comerica Bank, business lines of credit
What they offer
Business lines of credit for surrogacy-related expenses.
Amounts and terms
Up to $200,000. Variable interest rates.
LightStream
What they offer
Paperless loans for IVF and surrogacy. Applicants reviewed as a whole, not by credit score alone.
Amounts and terms
$5,000 to $100,000. 2 to 12 years. From 3.49% APR.
Good to know
Higher amounts may need excellent credit; a hard credit inquiry for loans over $20,000.
Prosper Healthcare Lending
What they offer
A fully online personal loan. Qualify in minutes, funds in your account within 72 hours.
Amounts and terms
$2,000 to $35,000. 3 or 5 years. 5.95% to 19% APR.
Good to know
Soft credit check, no impact on your score. Credit score 640 or above with no recent negative marks.
SoFi
What they offer
Fixed-rate personal loans for surrogacy and family building, no fees, fast approval.
Amounts and terms
$5,000 to $100,000. 7 years. 7.99% to 23.43% APR.
Interest rates and terms change over time. Confirm the current terms with each partner before you apply.
Most families combine 2 to 3 sources: a fertility-specific loan as the backbone, supplemented by employer benefits, grants or savings. Our financial planner can help you map the right options before you commit to anything. Our complete surrogacy financing guide has the full breakdown.
Every program is quoted fixed and flat, with no hidden costs, and once your program is confirmed your price is fixed. Your quote depends on your surrogate’s state and its laws, your IVF center, your embryo status and any medical requirements of your own, and we walk through it with you on your consultation.
Yes. 401(k) loans allow you to borrow up to 50% of your vested balance, and repayments go back to your own account. Consult your HR department and a tax advisor before proceeding; early withdrawals can trigger penalties and tax implications.
Coverage varies. Some plans cover IVF or surrogate medical care; most do not cover agency fees or surrogate compensation directly. Employer fertility benefits, often listed under “third-party reproduction” in plan documents, may cover more than you expect. We help intended parents check their specific plans.
Grants are non-repayable funds from foundations like Baby Quest, the Tinina Q. Cade Foundation and Gift of Parenthood. Awards typically range from $5,000 to $15,000. Apply to multiple organizations at once; there is no rule against accepting from more than one source. Start at least 6 to 12 months before you need the funds.
Surrogate compensation is paid through an attorney-held trust account managed by a licensed third party, on the schedule set in your contract, so money never passes directly between you and your surrogate. The funds themselves can come from savings, loans, lines of credit, or any combination that works for your situation.
Enter the details below and submit your inquiry. Our team will walk you through the full cost picture and connect you with the financing option that fits you.
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