A chosen quiet month
July is planned, not imposed. Cover the fixed base through it and repay out of the September return.
- Fund the baseFixed costs continue
- Book validation earlyBefore it fails
- Repay in autumnSeptember return
Industriesfertility and specialty practices
Business Funding for Fertility & Specialty Medical Practices
Capital that moves with the cycle calendar.
One place for practice owners to run their own numbers, read the playbooks, and see which financing structure fits the next move, whether that is an incubator bank, a second retrieval day, a satellite monitoring site, a new reproductive endocrinologist, or the float between cycle cost and collection.
No hard credit pull to start. No applicant fees. Independent business capital advisors.
Capital Scan · Step 1 of 2
Let's get you funded
Takes 60 seconds. No hard credit pull.
No hard credit pull · We never sell your information
Start with the move
What fertility and specialty practices use business funding for
Pick one and the calculator below changes to the question that move actually asks.
Run the numbers first
Cycle economics calculator
A very large fixed laboratory base sits under a relatively small number of high-value cycles, which makes this specialty unlike almost any other outpatient business and means a handful of cycles either way is the difference between a strong year and a loss. This separates the fixed base from the cost a cycle actually consumes, then works out how many cycles a month cover that base.
22
$16,000
Monitoring, retrieval, lab, transfer, anaesthesia. Not outside pharmacy.
$4,200
Only what a cycle consumes. Take it from your own purchase ledger.
$85,000
What the lab costs in a month when no cycle runs at all.
$112,000
Physicians, nursing, front office, rent, insurance, software, marketing.
Projection
Contribution per cycle
At these figures, contribution per cycle comes out at $11,800.
Contribution per cycle
$11,800
Base, example figures- Break-even cycles
- 16.7
- Above break-even
- 5.3
Full breakdown
- Monthly profit
- $62,600
- Annual profit
- $751,200
- Total fixed cost
- $197,000
- Laboratory share
- 43.1%
Key insights
- Contribution per cycle runs from $3,800 to $19,800 as collected per cycle moves from $8,000 to $24,000.
- Contribution per cycle rises as collected per cycle rises.
Nothing you type here leaves your browser
Every figure is worked out on this page. No input is sent anywhere, stored, or attached to you.
Every figure here is yours to check
It runs on the numbers you entered and nothing else, so you can rebuild any line of it by hand.
Talk to a funding specialist
A real conversation about what these numbers mean before you apply to anything.
What this model leaves out An estimate from your own inputs, not an offer, a projection or an accounting opinion.Read the full note
Direct cost means only what a cycle consumes: media, disposables, anaesthesia agents, cryostorage consumables and anything you dispense yourself, never salaried staff, rent or the laboratory itself. If a cycle costs more to run than it collects, no volume covers the laboratory and the break-even line reports nothing rather than a number, which is the honest answer. Every cycle is treated as identical, which no month is, so run it on a trailing three months and run fresh and frozen separately if their economics differ in your practice. Money already collected for cycles not yet delivered is not in this: it is cash and an obligation at the same time, and the float calculator on this page is where it belongs.
Typical fertility and specialty medical funding requests
- $50K-$750KTypical request range
What we actually structure for this industry. Your amount depends on the file.
- 8Structures we place
Equipment, line of credit, term, SBA, asset-based, receivables, revenue-based, and a business HELOC.
- $0Cost to ask
No applicant fees and no hard credit pull to start. Funding partners set final terms.
The numbers
What this industry runs on.
Unless noted: American Society for Reproductive Medicine, reporting SART data ·
- 100,158IVF babies born in the US
- 449,772IVF treatment cycles reported
- 364Fertility clinics reporting to SART
- 25States with an infertility insurance lawRESOLVE: The National Infertility Association ·
- $12,000-$25,000What one IVF cycle costs a patientThe White House, Executive Order, Expanding Access to In Vitro Fertilization ·
The cash year
Fertility clinic seasonality and cash-flow gaps
Fertility Seasonality Timeline
Two cycle peaks sit around a planned summer window, so time capital to a calendar you control.
Seasonal pattern
- Lower
- Building
- Stronger
New-year cyclesBenefit resets convert to starts
Maintenance windowChosen quiet weeks, fixed costs stay
Autumn returnCycles resume, deadlines drive starts
- JAN
- FEB
- MAR
- APR
- MAY
- JUN
- JUL
- AUG
- SEP
- OCT
- NOV
- DEC
The January lag
The diary is full while revenue is thin, because consultations convert to cycles later. Read starts booked, not cash.
- Hold marketing spendConsultations lead cycles
- Count consultationsNot deposits
- Bridge to FebruaryStarts follow
Install on your clock
Equipment installed in June validates in the quiet window and earns by September. A February install costs cycle hours.
- Install before summerValidate in July
- Protect laboratory hoursThe real constraint
- Earn from SeptemberSecond peak ready
This is a typical pattern for a cycle-based practice. Your laboratory schedule and payer mix will shift the months.
Funding products
What actually gets placed for fertility and specialty practices.
- Equipment financingIncubators, witnessing and cryostorage
- Line of creditCycle float and the planned summer trough
- Revenue-based fundingHiring and acquisition spend, against deposits
- Term loanLaboratory build and a satellite site
- Receivables financingInsurance and benefit administrator balances
- SBABuy-in, buyout and the longest terms
Monthly
The Fertility Practice Capital Brief
Once a month: what structures are actually being written for fertility and specialty practices, what is changing in the payer and consolidation picture, and the compliance changes worth knowing about. No pitch, unsubscribe in one click.
Reading
Fertility and specialty medical funding guides
Everything we have published for fertility and specialty practices, newest first. 6 pieces in total. Narrow it to the shelf you need, or read straight down the list.
- SBA Loans: How They Work & How to QualifyHow SBA loans work: the main programs, illustrative rates and terms, how to qualify, and when an SBA loan is worth the wait.Updated Jul 31, 2026
- Equipment Financing Without Draining CashHow equipment financing works, illustrative rates and terms, how to qualify, and when it beats leasing, a term loan, or paying cash.Jul 9, 2026
- Business Line of Credit: How It WorksHow a business line of credit works, what it costs, who qualifies, and when a revolving line beats a term loan or an advance.Jul 1, 2026
- Every Way to Fund a Small Business, ComparedTerm loans, SBA, lines of credit, equipment, factoring, revenue-based funding, cards, and MCAs compared. When each fits, and when it does not.Jun 2, 2026
- How to Prepare Your Business for Fast FundingThe document checklist, revenue benchmarks, and what underwriters actually look at, so you can prepare before you apply for fast funding.Apr 5, 2026
- Revenue-Based Funding vs. Traditional LoansAn honest side-by-side of revenue-based funding and term loans: cost, speed, qualification, and when each option makes sense for your business.Apr 1, 2026
Disclosure
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Local market guides
fertility and specialty practices funding by location
Compare local demand, operating costs, cash timing, and funding considerations in the markets where we have dedicated guidance.
Common questions
Fertility and specialty medical funding questions, answered straight.
The questions owners ask before they apply, answered for fertility and specialty practices.
A retrieval-and-transfer cycle costs the clinic thousands in drugs, lab supplies, and anesthesia before payment clears. A line of credit smooths that float while self-pay collects at retrieval and insurance settles over 60-90 days.
Yes. Equipment financing covers incubators, time-lapse imaging, micromanipulators, and vitrification, and a term or SBA loan suits the build-out itself. Where vendor or SBA financing runs long, bridge funding protects the opening date.
Commonly $50K-$750K depending on deposits. High self-pay volume creates a strong deposit profile that funders favour, even where insurance reimbursement is inconsistent.
Yes. Cash-pay specialty procedures rely on sustained paid search and consult funnels that burn cash months before cycles book, which is a working capital need rather than a marketing luxury.
First options typically within 24 hours and funds commonly 24-48 hours after acceptance for revenue-based routes. Equipment and SBA structures take longer and cost less.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.