We're committed to making your family building journey stress-free and affordable.

Our goal is to help remove the financial obstacles that could prevent you from having your family. We are excited to offer financing for the entire surrogacy and or egg donor journey.

In partnerships with BetterMed, Prosper Lending, Lightstream and iFinance, intended parents now have the best financing options. Our financing partners offer unique programs specifically for family building at an easy, convenient and affordable cost.



Get fairer healthcare finance. Guaranteed approvals
Open to anyone across the Globe

  • Borrow $2,000–$350,000 at 3.9% interest.
    Fixed for life. (The lowest rate in the world.)
  • First two years interest free.
    Or pay nothing at all for the first two years.
  • Consolidate existing healthcare loans
    under our unbeatable 3.9% rate.
  • No credit checks.
  • No insurance required.
  • No late-payment penalties.

Prosper Healthcare Lending


We are pleased to offer Prosper Healthcare Lending as the premier financing company in the healthcare industry. With over $3 Billion borrowed and over 250,000 people empowered, this is a name and a program you can trust.

Here are some of the benefits you’ll receive with a loan from Prosper Healthcare Lending:

  • Immediate decisions for loans under $35,000
  • Longer terms for lower monthly payments
  • No collateral required
  • No prepayment penalties
  • Fast & easy loan inquiry process
  • 100% Confidential

The cost of IVF cycles, egg donation and surrogacy can be extremely expensive. As future parents one of your biggest decisions will be whether to seek assistance with third party reproduction services based on your ability to pay. Many clinics provide fertility financing but the financing they offer only covers the clinic fees.

Family Inceptions now offers financing for the entire egg donation, surrogacy cycles. Through the below programs you have the option of financing your entire journey to pay for all of your expenses including your medical, legal, agency fees, egg donor and surrogate fees.

These companies provide stress-free financial solutions for your entire fertility journey.

To learn more, click here

LIGHTSTREAM (A division of SunTrust Bank)



LightStream Personal Loans for Medical, Fertility and Adoption Financing

  • Hassle-free loans
  • Easy & Secure online application
  • Low fixed rates
  • Flexible loan terms
  • Finance the entire process from legal fees to travel and medical fees
  • No fees or prepayment penalties
  • Unsecured loans from $5,000 to $100,000
  • Funds deposited directly into your account
  • Good to excellent credit only

To learn more, click here




  • Low rates starting as low as 7.95% UP TO 25.95% based on client’s credit history and proof of income.
  • Pre-approval within 1 business day
  • Clients may apply by e-mail, fax or even by telephone.
  • Funds sent to you directly

To learn more, click here

Start your journey!

Start your journey!

Contact Family Inceptions to start your journey to parenthood

Get Started