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 arranges the structure that fits: equipment financing for the embryology lab, a term or SBA loan for a buildout, a line of credit for cycle-cost float. When speed decides, revenue-based funding lands in 24-48 hours.
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
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. A line of credit, or revenue-based funding for speed, smooths the float while self-pay collections happen at retrieval and insurance settlements drag 60-90 days.
- 02
Embryology Lab Buildouts & Equipment
A modern embryology lab, incubators, time-lapse imaging, micromanipulators, vitrification suite, runs $400K-$800K to build out properly. Equipment financing spreads the hardware cost over its life, and a term or SBA loan suits the buildout. When vendor or SBA financing runs 90+ days, fast funding bridges the gap so you don't lose months of patient capacity and cohort revenue.
- 03
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.
- 04
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 you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
IVF Cycle Float
Use a line of credit or revenue-based funding to bridge the gap between cycle cost and patient/insurance payment for high-volume retrieval months.
Embryology Lab Buildout
Equipment financing for time-lapse incubators, vitrification systems, and 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.
Typical Funding Range
$50K-$750K
How to Qualify
Fertility and specialty medical practices qualify on bank deposit volume. We match the structure to the need, equipment financing for lab hardware, a term/SBA loan for a buildout, a line of credit for cycle float, or revenue-based funding for speed. Self-pay cycle revenue creates a high-deposit profile funders favor, even when insurance reimbursements are inconsistent. 6+ months operating with $50K+ monthly deposits is typical.
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.
Every structure we can place
Two businesses in the same industry rarely need the same product. An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
Ready to move?
See what you qualify for today
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