Future Family has secured a $400 million financing program from Clear Haven Capital Management to expand financing options for fertility treatments, including IVF and egg-freezing. The announcement represents a significant expansion of the company’s ability to provide financial solutions in the rapidly growing fertility market.
This “forward flow deal,” as described in the announcement, means Clear Haven Capital Management has committed to purchasing up to $400 million in fertility treatment loans issued by Future Family over time. Rather than receiving all the capital upfront, this structured financing arrangement allows Future Family to access funds continuously as they originate new loans, providing the company with stable financial backing to scale their lending operations.
The new deal comes at a time when demand for fertility services has reached an all-time high, with over 400,000 treatment cycles delivered in 2023. Despite new clinics being built across the United States, affordability remains a major obstacle for many families. A typical IVF procedure costs more than $20,000, and with most insurance providers classifying these treatments as elective and not covering them, the majority of Americans face significant out-of-pocket expenses.
This program builds on Future Family’s previous success with its Fertility Fund I, which provided over $200 million in financing to help more than 10,000 families afford IVF and egg freezing through personalized, zero-down payment plans.
“When we started Future Family, our goal was to make fertility care easier and more accessible—not just by offering financing, but by improving the entire experience,” said Claire Tomkins, Founder of Future Family. “This new funding helps us remove financial barriers so more women and couples can get the fertility treatments they need when they need them. From IVF financing to our new IVF insurance, we’re making fertility care more affordable, flexible, and focused on patients.”
Since its founding in 2016, Future Family has built the largest fertility financing network in the U.S., partnering with more than 600 of the nation’s leading IVF clinics. These partnerships ensure access to top fertility specialists while offering flexible financing and insurance options that remove cost barriers to care.
Mark Simmer, Managing Partner at Clear Haven Capital Management, commented on the partnership: “Future Family is solving one of the biggest gaps in healthcare financing, and we’re proud to continue to support their mission to make fertility financing accessible. By combining financing and insurance, Future Family is creating a new model that makes pursuing IVF more financially accessible for families.”
The financing announcement follows the recent launch of Future Family’s “Baby or Your Money Back” program, described as the first-ever nationwide IVF insurance. This innovative offering guarantees a refund up to the coverage limit if treatment is unsuccessful after two cycles. This addresses a long-standing issue in U.S. healthcare where IVF has been one of the most expensive and least-covered medical procedures, forcing many to take on significant debt or forgo treatment entirely.
