Industry Funding
Business Funding for Fertility & Specialty Medical Practices
Self-pay cycles run $15K–$25K each, payment hits at retrieval, and clinic growth needs capital months before the next cohort books. Commera funds fertility and specialty medical practices in 24–48 hours.
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry use MCA
Bank financing moves on bank timelines. Your business doesn't.
Cycle-Cost Float Is Real
An IVF retrieval-and-transfer cycle costs the clinic $4K–$8K in lab supplies, drugs, and anesthesia before the patient's payment clears. A 20-cycle month means $80K–$160K in front-loaded cost. Self-pay collections happen at retrieval; insurance settlements drag 60–90 days.
Embryology Lab Buildouts & Equipment
A modern embryology lab — incubators, time-lapse imaging, micromanipulators, vitrification suite — runs $400K–$800K to build out properly. Vendor financing is slow; SBA loans run 90+ days. Lost months of patient capacity are lost cohort revenue.
Patient Acquisition for Cash-Pay Procedures
Fertility, hair restoration, and specialty cash-pay procedures rely on paid search, content, and consult-to-conversion funnels that burn cash weeks before cycles or procedures book. CAC sits at $400–$1,200 per converted patient — sustained marketing spend matters.
Specialty Hiring & Onboarding
REI physicians, embryologists, and senior MAs are scarce, expensive, and often signed with signing bonuses or guaranteed minimums while their book builds. Hiring runway often outpaces revenue ramp by 60–120 days.
What businesses fund with Commera
Common uses for businesses in your industry.
IVF Cycle Float
Bridge the gap between cycle cost and patient/insurance payment for high-volume retrieval months.
Embryology Lab Buildout
Time-lapse incubators, vitrification systems, ICSI workstations — funded faster than vendor or SBA financing.
Patient Acquisition Spend
Paid search, content, and consult-funnel investments that pay back over 6–9 month cycle conversion windows.
REI / Embryologist Hiring
Fund signing bonuses and book-building runway for fellowship-trained REIs and lab leads.
Second Location or Satellite Monitoring
Satellite monitoring offices in adjacent metros expand catchment without full lab duplication.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.