ClientBlogHow to finance fertility treatment with donor sperm and donor eggs
Egg Donors, Infertility, Fertility treatment, Donor sperm

How to finance fertility treatment with donor sperm and donor eggs

fertility financing

Having a baby by using donor sperm and donor eggs can be expensive. Cryos understands this and collaborates with two financing companies to help alleviate the financial burden. CapexMD and Prosper Healthcare Lending have partnered with us to make the dream of building a family a possibility for everyone. These recommended financing programs are external third party vendors that we have selected to work directly with our clients. Let's discuss the benefits you will receive through each of these financing companies.

Financing Through Cryos Preferred Providers: Program Benefits 

Prosper Healthcare Lending

According to their website, Prosper Healthcare Lending is the premier financing company in the healthcare industry. Prosper is a well-experienced program that has supported many people allowing for their dreams to come true. If you are purchasing donor sperm, it is suggested you purchase multiple straws in order to reach their $2,000 lending limit.

Before you make your decision, know how much you plan to purchase and call a Prosper representative to make sure you understood their terms and conditions.

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

  • It is a loan, not a credit card
  • No collateral is required
  • Immediate decisions are made without affecting your credit
  • No prepayment penalties
  • A fixed repayment amount is set at a fixed interest rate
  • Loans from $2000 - $35,000
  • Terms up to 84 months
  • 100% confidential

Click here to start an inquiry at Prosper Healthcare Lending.


According to their website CapexMD specializes in providing patient financing services for all fertility treatment options. With their easy loan process and competitive rates, CapexMD ensures the financial aspects of treatment can be achieved by almost everyone dreaming of a family.

CapexMD offers a wide variety of loan options, allowing you to obtain the necessary financing required to make your treatment affordable even if you have a very low credit score. Each loan program is designed to fit your individual circumstances and once approved, their Fertility Loan Specialists will work closely with Cryos to ensure your funds are secured on time.

CapexMD is an ideal path to take when considering small and large purchases for your fertility future.

Here are some of the benefits you'll receive with a loan from CapexMD:

  • Specialist in fertility financing
  • Personal attention
  • Competitive rates
  • Easy and secure online application
  • Pre-approval within hours
  • Flexible terms
  • Highest confidentiality
  • No annual fees
  • No prepayment penalties
  • Retain your existing credit sources

Apply online and receive your pre-approval within 24 hours, or call 888.497.8414 to learn more.


Cryos accepts all major credit cards (Visa, Mastercard, Amex, Discover).

*Tip: Consider purchasing multiple straws the first time and put those extras into our reservation program. This can be very helpful in case you want to get pregnant again using the same donor or need a few extra tries to conceive. Finance only once and sell back the leftover straws at 75% to Cryos.

Questions? Contact Cryos! 

If you have any questions regarding the financing programs described above, please call one of the client representatives at either Prosper Healthcare Lending or CapexMD so you can clarify the details.

You may also call Cryos at (407) 203-1175 or email us at [email protected]. Our live online web chat is available as well during operating hours. We are happy to help!