Gaia, a New York-based fertility startup that bundles AI-powered clinic matching with outcome-protected financing, has secured a $100 million debt facility from Viola Credit to scale operations across the United States. The facility follows a $14 million Series A led by Valar Ventures in January 2025 and brings total equity funding to $37 million, with additional backing from Atomico and Kindred Capital.
Gaia’s model prices the probability of success rather than the number of procedures. If a member’s IVF cycle fails, Gaia covers the next cycle at no extra cost. For embryo transfers, the plan includes unlimited transfers until a live birth is achieved. For egg freezing, the company guarantees a target number of retrieved eggs based on individual biomarkers – with a second cycle funded if the target isn’t met. Patients can pay upfront or finance over five years.
The platform uses AI trained on millions of anonymized historical data points to direct patients to clinics optimized for their specific profile and generate personalized success forecasts. According to Crunchbase, the company has surpassed 1,100 memberships across 200 clinic locations in 40 U.S. states and also offers an enterprise benefit product for employers.
