Future Family
Future Family is a U.S. fintech that provides personalized fertility-treatment loans (up to $50,000) bundled with dedicated RN care coaching, clinic matching across 600+ partner clinics, IVF cycle-failure insurance, and a fertility pharmacy, serving individuals and couples pursuing IVF, egg freezing, and related treatments nationwide.
- Company typePrivate
- Founded2017
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Future Family does
Future Family Inc. is a San Francisco-based, privately held fintech founded circa 2017 that provides financing and care-coordination services for individuals and couples pursuing fertility treatment in the United States. Its core product is a fertility-treatment loan product offering up to $50,000 per borrower, with fixed APRs ranging from 9.74% to 23.74%, two-minute online soft-pull prequalification, 24-hour direct disbursement to clinics and pharmacies, and no down payment, prepayment penalty, or upfront fees. Loans are originated by Future Family Inc. (NMLS #1813777) and A-Frame Capital, LLC, with state lending licenses held in California, Missouri, Pennsylvania, and Michigan.
The company layers its financing core with a dedicated RN care-coaching membership (registered nurses with 10+ years of fertility experience providing 24/7 guidance), a clinic-comparison tool (CareMatch) tied to a 600+ partner clinic network, an IVF cycle-failure reimbursement insurance product (Baby or Money Back) underwritten through Family OS Insurance Solutions, LLC, and a fertility pharmacy sub-product (Future Family Rx). Distribution is omnichannel: direct-to-consumer website self-serve application, inside-sales onboarding via dedicated Account Managers, a Provider Portal for partner clinics, employer-partnerships outreach, and strategic clinic-network partnerships such as Kindbody.
The business model combines recurring interest income from the loan book with subscription membership fees, insurance referral commissions, and pharmacy transaction revenue. Cumulative scale milestones cited by the company include $200M+ in credit extended to American families, 10,000+ families served, and 600+ in-network clinics. Disclosed equity funding totals approximately $48M across rounds led by Mindset Ventures (2021 Series A-1, $9M), Munich Re Ventures (2022, $25M), Aspect Ventures (2018, $10M), and a $4.2M seed in 2017, supplemented by a $100M credit facility from Atalaya Capital in 2018.
Future Family firmographics
Firmographics- Name
- Future Family
- Legal name
- Future Family Inc.
- Website
- https://futurefamily.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Future Family is a U.S. fintech that provides personalized fertility-treatment loans (up to $50,000) bundled with dedicated RN care coaching, clinic matching across 600+ partner clinics, IVF cycle-failure insurance, and a fertility pharmacy, serving individuals and couples pursuing IVF, egg freezing, and related treatments nationwide.
- Ownership category
- akta.pro rank
Future Family industry classification
Industry- Product category
- Fertility Treatment Financing
- NAICS
- Family Planning Centers (621410), Family Planning Centers (62141)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Contraception & Family Planning Telehealth (birth control, counseling, follow-up) (HLALAHAB)
- akta.pro secondary industry
- Lactation, Postpartum & Perinatal Support Services (HLAFAJAN)
Keywords
Where Future Family is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Future Family business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure, Others
Revenue model
- Patient Loan Origination Interest: Future Family and its lending affiliate A-Frame Capital, LLC originate fixed-rate, fixed-term fertility treatment loans (APR 9.74%-23.74%) directly to borrowers. Loans range up to $50,000 with terms customized to the treatment plan; interest income on the loan book is the core revenue stream. No down payment required and no prepayment penalties. Disbursements are made directly to clinics, pharmacies, and approved third parties.
- Care Membership Fees: Future Family sells a separate membership that bundles the dedicated RN fertility coach, 24/7 messaging access, medication training, and community sessions. The membership carries recurring fees separate from the loan — exact pricing is not publicly disclosed on the public website, but membership is positioned as a required companion offering to financing plans.
- Insurance Product Commissions (Baby or Money Back): Future Family distributes the "Baby or Your Money Back" financial protection insurance product through Family OS Insurance Solutions, LLC (NPN 19585735). Future Family earns referral/agency commissions on policies sold; the product is licensed state-by-state.
- Pharmacy Revenue (Future Family Rx): Through Future Family Rx, the company takes a role in fertility medication fulfillment in partnership with specialty pharmacies, generating revenue on medication sales, exclusive pharmacy discounts, and partnerships such as the MDR Pharmacy veterans-savings program.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Fertility treatment loan with fixed APR 9.74%-23.74%, up to $50,000, custom monthly payments |
| Subscription | Monthly | Care Membership with dedicated RN coach and 24/7 access |
| Other | Pay-as-you-go | Baby or Money Back insurance protection product |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels6 records
Future Family product offering
Product offeringCore offering
Future Family provides personalized fertility treatment loans (up to $50,000, funded within 24 hours at APR 9.74%–23.74%) for IVF, egg freezing, IUI, and other fertility services, originated by Future Family Inc. (NMLS #1813777) and A-Frame Capital, LLC. Loans are paired with a subscription Membership that gives every borrower a dedicated registered fertility nurse for 1-on-1 coaching, 24/7 messaging, and medication training, plus access to a CareMatch clinic-comparison tool spanning 600+ in-network clinics, the Future Family Rx fertility pharmacy, and the optional Baby or Money Back IVF cycle-failure insurance product.
Product overview
Future Family operates as a unified platform that combines fertility financing with end-to-end patient care support. At its core is the Fertility Financing product offering personalized IVF and egg freezing loans (up to $50,000 with 24-hour funding). This core is supplemented by the Clinic Match / CareMatch module (a clinic comparison and matching tool connecting to 600+ partner clinics), the Baby or Money Back insurance protection add-on (offered via Family OS Insurance Solutions), and the Personalized Care / Membership tier providing dedicated Registered Nurse coaching with 24/7 access. Future Family Rx serves as the fertility pharmacy sub-product delivering medications and discounts. For providers, a separate Provider Portal enables partner clinics to coordinate treatment and financing. Together, these modules form a complete solution for fertility treatment financing and care support.
Differentiator
Problem solved
Functional benefit
Brands
- Future Family Rx: Online fertility pharmacy platform simplifying medication management for providers and patients, launched in May 2024.
- Family OS Insurance Solutions
- CareMatch
Products and services
- Fertility Financing (IVF and Egg Freezing Loans) Personalized loans for IVF, egg freezing, and other fertility treatments with up to $50,000 in financing available within 24 hours; APR ranges from 9.74% to 23.74%; no down payment, no prepayment penalty, soft credit check during prequalification; loans originated by Future Family Inc. or affiliate (NMLS #1813777) and by A-Frame Capital, LLC; funds disbursed directly to the fertility clinic, pharmacy, and approved third parties on the borrower's behalf.
- Future Family Membership (RN Care Coaching) Subscription membership tier that pairs each member with a dedicated registered fertility nurse providing 1-on-1 virtual support, personalized treatment plans, medication training, emotional guidance, and 24/7 messaging access, plus monthly nurse-led community sessions and exclusive member perks.
- Future Family Rx (Fertility Pharmacy) Online fertility pharmacy platform simplifying medication management for providers and patients, offering affordable fertility medications, exclusive discounts, and doorstep delivery in partnership with leading fertility pharmacies (including MDR Pharmacy).
- Baby or Money Back Insurance Protection Financial protection product offering reimbursement for IVF cycle failures and additional rounds, offered through Family OS Insurance Solutions, LLC as a licensed surplus lines property casualty insurance agency; flexible plans tailored to treatment, quoted and licensed on a state-by-state basis.
- CareMatch Clinic Matching Clinic comparison and matching tool that allows patients to easily compare fertility providers, treatments, and pricing, providing access to top-rated fertility clinics with transparent pricing and seamless connection to providers across 600+ partner clinics.
- Future Family Provider Portal Separate B2B portal for fertility clinic and provider partners to manage patient financing plans and coordinate treatment with Future Family across its 600+ in-network clinic network.
Quantifiable outcome
- $200M+ in credit extended to American families
- +6 more outcomes
Companies that use Future Family
Customer profileNamed customers6 records
Segments6 records
Ideal customer profiles5 records
Future Family technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
Future Family partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered flagship, minor and core.
- KindbodyflagshipFuture Family and Kindbody announced a partnership to provide flexible financing options for fertility treatments at Kindbody clinics, offering personalized financing up to $50,000 covering IVF and egg freezing. The collaboration aims to reduce financial barriers for patients and expand equitable access to fertility care nationwide. The announcement was distributed via PR Newswire and Webwire on March 18, 2026.
- MDR PharmacyminorFuture Family partnered with MDR Pharmacy to offer U.S. military veterans exclusive savings on fertility medications, announced as part of Future Family's Veterans Day 2024 campaign ("Honoring Our Veterans: Special Savings on Fertility Treatments this Veteran's Day," November 4, 2024).
- Family OS Insurance Solutions, LLCcoreFamily OS Insurance Solutions, LLC is the authorized general agent underwriting the "Baby or Your Money Back" financial protection product offered through Future Family. Family OS holds National Producer Number 19585735 and is licensed as a surplus lines property casualty insurance agency. The product provides IVF cycle-failure coverage and additional-round reimbursement, sold state-by-state.
- Network of 600+ fertility clinicscoreFuture Family has a nationwide network of 600+ fertility clinics that accept its financing and refer patients. The network is operationalized through a dedicated Provider Portal (providers.futurefamily.com) and includes in-network locations in all major U.S. metros. Loans are disbursed directly to these clinics on the borrower's behalf.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Future Family competitors and assessment
Company assessmentDirect peers
- ARC Fertility: ARC Fertility is a direct competitor offering fertility-specific treatment programs and financing options to U.S. patients, often via employer-sponsored benefits. It overlaps closely with Future Family on financing and care-coordination for IVF.
- Win Fertility: Win Fertility is a direct competitor offering fertility-specific financing and refund/Shared-Risk programs to U.S. patients pursuing IVF, mirroring Future Family's combination of lending and cycle-failure protection.
- PatientFi: PatientFi is a direct competitor in patient financing for elective medical procedures (including fertility), offering point-of-care lending to clinic networks with similar economics to Future Family's loan product.
- Kindbody: Kindbody is both a strategic partner and a direct peer — a national fertility clinic and employer-benefit network. Its 2026 partnership with Future Family embeds Future Family financing, but Kindbody also operates competing benefit and care programs.
Broad incumbents
- Progyny: Progyny is the leading U.S. employer-sponsored fertility benefits provider, covering IVF and reducing out-of-pocket spend for ~5M+ lives. It competes indirectly with Future Family by shrinking the population of patients who need fertility financing.
- Carrot Fertility: Carrot Fertility is a major global fertility and family-forming benefits platform sold to employers. Like Progyny, it is a broad incumbent whose growth reduces demand for out-of-pocket fertility lending — competing for the same end patient via a different payer.
- LendingClub: LendingClub is a large incumbent consumer lender whose personal loan product is a direct substitute for Future Family's fertility loans. Borrowers with strong credit may simply use a general-purpose personal loan instead of Future Family's 9.74%-23.74% APR product.
- SoFi: SoFi is a broad incumbent offering personal loans that compete with Future Family's financing product for the same credit-qualified borrower. SoFi's lower marketing-funded APRs and larger balance sheet pressure Future Family's lending economics at the credit-quality top of the funnel.
Emerging players
- Maven Clinic: Maven Clinic is a virtual reproductive and family health platform, increasingly sold to employers as a fertility benefit. It overlaps with Future Family on the care-coaching layer (RN-led support) and competes for the same employer-channel distribution.
- Stork Club: Stork Club is an emerging fertility and family-forming benefits platform offering inclusive care navigation, financing, and outcome-based guarantees. It overlaps with Future Family on the financing-plus-care bundle and employer go-to-market.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights6 records
Customer concentration
Future Family social profiles
Digital presenceFuture Family compliance and trust
Trust signalCompliance6 records
Future Family financial estimates
Financial estimateRevenue estimate
Valuation estimate
Future Family leadership team
Management profileNumber of profiles
Profiles6 records
Future Family subsidiaries and ownership
Company hierarchySubsidiaries1 record
Future Family funding detail
Funding detailFunding overview
Funding rounds8 records
Investors30 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Future Family M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Future Family
What does Future Family do?
Future Family provides personalized fertility treatment loans (up to $50,000, funded within 24 hours at APR 9.74%–23.74%) for IVF, egg freezing, IUI, and other fertility services, originated by Future Family Inc. (NMLS #1813777) and A-Frame Capital, LLC. Loans are paired with a subscription Membership that gives every borrower a dedicated registered fertility nurse for 1-on-1 coaching, 24/7 messaging, and medication training, plus access to a CareMatch clinic-comparison tool spanning 600+ in-network clinics, the Future Family Rx fertility pharmacy, and the optional Baby or Money Back IVF cycle-failure insurance product.
Is Future Family a public or private company?
Future Family is a private company. It is classified as venture growth investor backed and is currently operating.
When was Future Family founded?
Future Family was founded in 2017. It employs 11 to 50 people.
Where is Future Family based?
Future Family is headquartered in San Francisco, United States, in the North America region.
How does Future Family make money?
Four revenue lines are on record. Patient Loan Origination Interest is the primary driver. The others are care Membership Fees, insurance Product Commissions (Baby or Money Back) and pharmacy Revenue (Future Family Rx).
Who are Future Family's main competitors?
Direct peers on record are ARC Fertility, Win Fertility, PatientFi and Kindbody. Broad incumbents are Progyny, Carrot Fertility, LendingClub and SoFi. Emerging players are Maven Clinic and Stork Club.
Does Future Family have an API?
No public API is recorded for Future Family.
What industry is Future Family in?
Future Family's product category is Fertility Treatment Financing. Its primary akta.pro industry code is HLALAHAB, Contraception & Family Planning Telehealth (birth control, counseling, follow-up), with a secondary code of HLAFAJAN, Lactation, Postpartum & Perinatal Support Services. Its NAICS code is 621410 and its SIC code is 6163.