CapexMD, LLC
CapexMD, LLC is a US specialty lender that provides fertility treatment financing through personal loans of $3,000 to $60,000, distributed via a network of hundreds of partner fertility clinics.
- Company typePrivate
- Founded2009
- HeadquartersScottsdale, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What CapexMD, LLC does
CapexMD, LLC is a US specialty consumer lender focused exclusively on financing fertility treatments. The company was founded around 2009-2010 and is headquartered at 9907 E Bell Rd, #110, Scottsdale, Arizona. It operates as a private LLC under NMLS #2326897. CapexMD originates unsecured personal loans ranging from $3,000 to $60,000 with APRs between 8.99% and 24.99% over terms of 6 to 84 months, and offers a 0% interest 6-month promotional financing option for qualified borrowers.
The company's core product is a digital lending platform that connects prospective fertility patients to financing. Applicants complete an online application that triggers a soft credit inquiry, receive a credit decision, and, upon approval, select a fertility provider from CapexMD's in-network clinic base; loan proceeds are then disbursed directly to the clinic. The company supports industry organizations including ASRM, Resolve, and the Cade Foundation, signaling active participation in the fertility ecosystem. The company operates exclusively in the United States.
CapexMD's revenue is generated from interest income on its loan portfolio and likely ancillary origination or servicing fees. Its go-to-market is provider-driven: rather than direct-to-consumer acquisition, the company relies on referrals and partnerships with hundreds of fertility clinics across the US, which function as its primary distribution channel. The company has not publicly disclosed funding rounds, outside investors, headcount, or financial performance.
CapexMD, LLC firmographics
Firmographics- Name
- CapexMD, LLC
- Legal name
- CapexMD, LLC
- Website
- https://capexmd.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CapexMD, LLC is a US specialty lender that provides fertility treatment financing through personal loans of $3,000 to $60,000, distributed via a network of hundreds of partner fertility clinics.
- Ownership category
- akta.pro rank
CapexMD, LLC industry classification
Industry- Product category
- Fertility Financing
- NAICS
- Sales Financing (522220)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Medical & Healthcare Personal Loans (Unsecured Installment) (FSAKAAAF)
- akta.pro secondary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where CapexMD, LLC is headquartered
LocationHeadquarters
- HQ city
- Scottsdale
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CapexMD, LLC business model
Business model- GTM type
- B2C
- Offering type
- Services
Revenue model
- Loan Interest Income: Interest income from unsecured personal loans with APRs ranging from 8.99% to 24.99% (fixed for loan term). Primary revenue stream from fertility financing loans ranging from $3,000 to $60,000.
- Promotional Financing (0% 6-Month Offer): Interest-free promotional period for qualified borrowers. Interest accrues from day one but is waived if balance paid in full by 6th payment. If not paid off, accrued interest is added to remaining balance.
- Application and Processing Fees: Application fee of $25 in some states (refundable if declined); documentation/processing fee of $75-$200 in some states upon loan finalization.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard Fertility Loan ($3,000-$60,000) |
| Transaction based/ take rate | Monthly | 0% Interest 6-Month Promotion (up to $7,500) |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
CapexMD, LLC product offering
Product offeringCore offering
CapexMD provides unsecured personal loans specifically for fertility treatments, ranging from $3,000 to $60,000 with repayment terms of 6 to 84 months and fixed APRs of 8.99% to 24.99%. The company offers a 0% interest 6-month promotional financing option for qualified borrowers, and funds are disbursed directly to fertility providers within 2 business days, covering treatments across multiple providers under a single loan.
Product overview
CapexMD offers a single unified fertility financing product: unsecured personal loans specifically designed for fertility treatments and related medical services. The core offering includes standard loans ranging from $3,000 to $60,000 with flexible 6 to 84-month repayment terms and APRs from 8.99% to 24.99%, plus a 0% Interest 6-Month Promotion for qualified borrowers. The ecosystem includes complementary tools: a Payment Calculator for estimating monthly payments, a Patient Portal for account management and early payoff, an Internet Access System for existing borrowers to view loan details, and a Loan Application System for new applicants to apply and search for provider partners. All loans are originated and serviced directly by CapexMD, with funds disbursed to participating fertility providers.
Differentiator
Problem solved
Functional benefit
Products and services
- Fertility Financing Loans Unsecured personal loans ranging from $3,000 to $60,000 specifically for fertility treatments and related medical services. Repayment terms of 6 to 84 months with fixed APRs from 8.99% to 24.99%. A single loan covers treatments and services across multiple providers, with funds disbursed directly to participating fertility providers within 2 business days. Available to fertility patients in the United States through partner providers.
Quantifiable outcome
- Funds disbursed directly to providers within 2 business days
- +1 more outcomes
Companies that use CapexMD, LLC
Customer profileNamed customers8 records
Segments3 records
CapexMD, LLC technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CapexMD, LLC partnerships and signals
Strategic signalPartnerships
50 partnerships are on record, tiered core.
- ASRM (American Society for Reproductive Medicine)coreCapexMD is a proud supporter of ASRM. ASRM is a professional organization dedicated to the advancement of reproductive medicine.
- Resolve (The National Infertility Association)coreCapexMD is a proud supporter of Resolve, the national infertility association dedicated to advocacy and support.
- Cade FoundationcoreCapexMD is a proud supporter of the Cade Foundation, which supports family building through education and financial assistance.
- Chicago Coalition for Family BuildingcoreCapexMD is a proud supporter of the Chicago Coalition for Family Building.
- Pacific Coast Reproductive SocietycoreCapexMD is a proud supporter of the Pacific Coast Reproductive Society.
- Shady Grove FertilitycorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network. Clinic logo displayed on CapexMD website.
- Seattle Sperm BankcorePartner sperm bank. Part of the hundreds of providers in CapexMD's network. Logo displayed on CapexMD website.
- Cooper SurgicalcorePartner fertility products company. Part of the hundreds of providers in CapexMD's network.
- Pacific Fertility CentercorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- California CryobankcorePartner cryobank. Part of the hundreds of providers in CapexMD's network.
- Boston IVFcorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- ORM FertilitycorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- RMA of New YorkcorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Fertility Centers of IllinoiscorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Fertility Centers of New EnglandcorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- IVF FloridacorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Pinnacle FertilitycorePartner fertility network. Part of the hundreds of providers in CapexMD's network.
- Ivy FertilitycorePartner fertility network. Part of the hundreds of providers in CapexMD's network.
- Ovation FertilitycorePartner fertility network. Part of the hundreds of providers in CapexMD's network.
- HRC FertilitycorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- The Prelude Network (Aspire Fertility)corePartner fertility network. Part of the hundreds of providers in CapexMD's network.
- US FertilitycorePartner fertility network. Part of the hundreds of providers in CapexMD's network.
- Reproductive Partners Medical GroupcorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Conceptions Reproductive Associates of ColoradocorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- San Diego Fertility CentercorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Southern California Reproductive CentercorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Reproductive Science Center of the San Francisco Bay AreacorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Center for Human ReproductioncorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Fairfax EggBankcorePartner egg bank. Part of the hundreds of providers in CapexMD's network.
- Donor Egg Bank USAcorePartner egg bank. Part of the hundreds of providers in CapexMD's network.
- My Egg BankcorePartner egg bank. Part of the hundreds of providers in CapexMD's network.
- XytexcorePartner sperm bank/egg bank. Part of the hundreds of providers in CapexMD's network.
- VFP Pharmacy GroupcorePartner fertility pharmacy. Part of the hundreds of providers in CapexMD's network.
- SMP Pharmacy SolutionscorePartner fertility pharmacy. Part of the hundreds of providers in CapexMD's network.
- Freedom Fertility PharmacycorePartner fertility pharmacy. Part of the hundreds of providers in CapexMD's network.
- Alto PharmacycorePartner pharmacy. Part of the hundreds of providers in CapexMD's network.
- Mandell's Clinical PharmacycorePartner fertility pharmacy. Part of the hundreds of providers in CapexMD's network.
- Fertility AccesscorePartner fertility services provider. Part of the hundreds of providers in CapexMD's network.
- InceptioncorePartner fertility network. Part of the hundreds of providers in CapexMD's network.
- Bundl FertilitycorePartner fertility services. Part of the hundreds of providers in CapexMD's network.
- First FertilitycorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Fertility Specialists NetworkcorePartner fertility network. Part of the hundreds of providers in CapexMD's network.
- Reproductive Biology AssociatescorePartner fertility and research organization. Part of the hundreds of providers in CapexMD's network.
- Reproductive Fertility CentercorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Institute for Reproductive HealthcorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Carolina ConceptionscorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Piedmont Reproductive Endocrinology GroupcorePartner fertility clinic. Part of the hundreds of providers in CapexMD's network.
- Luminary GeneticscorePartner genetic testing lab. Part of the hundreds of providers in CapexMD's network.
- Kansas University Medical CentercorePartner academic medical center. Part of the hundreds of providers in CapexMD's network.
- WalgreenscorePartner pharmacy. Part of the hundreds of providers in CapexMD's network.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
CapexMD, LLC competitors and assessment
Company assessmentDirect peers
- Alphaeon Credit: Alphaeon Credit provides patient financing for elective healthcare procedures through a network of providers. It directly competes with CapexMD in the patient-financing-for-medical-procedures category with comparable term lending, though its core verticals skew toward aesthetic and ophthalmology rather than fertility.
- PatientFi: PatientFi provides patient financing specifically for elective medical procedures, with a similar business model of offering installment loans to patients that are repaid directly to providers. It is the closest direct competitor in the cash-pay healthcare financing space, though with broader procedural verticals rather than fertility-exclusive focus.
- Win Fertility: Win Fertility offers fertility-specific financing programs, often in partnership with clinics and employers. It is a direct vertical-specialist competitor in the fertility lending space, comparable in target customer and provider-channel model, though with a stronger employer-benefits angle.
Broad incumbents
- CareCredit (Synchrony Financial): CareCredit, owned by Synchrony Financial, is the dominant healthcare-focused consumer financing product in the U.S., offering credit cards and installment plans for medical, dental, and fertility procedures. It is a broad incumbent with overlapping patient and provider economics, though distributed through a much larger network and managed by a publicly-traded financial services company.
- Prosper: Prosper provides unsecured personal loans to consumers, including for medical expenses such as fertility treatment. It serves a similar borrower demographic but as a general-purpose marketplace lender without the vertical specialization or provider integrations that CapexMD has built.
- GreenSky (Goldman Sachs): GreenSky, now part of Goldman Sachs, provides patient financing for elective healthcare procedures through a lender network. It overlaps with CapexMD's provider-channel model and is a relevant incumbent comparable, particularly in how it integrates financing into provider workflows.
- SoFi Personal Loans: SoFi offers unsecured personal loans that can be used for fertility treatments, competing for the same borrowers as CapexMD but at the lower end of the APR spectrum. It is a broad incumbent consumer lender with stronger balance sheet, scale, and brand recognition, but without fertility-specific underwriting or provider-network integration.
- LendingClub: LendingClub offers fixed-rate personal loans that are commonly used by consumers to fund medical procedures, including fertility treatments. It competes indirectly through general-purpose consumer credit but lacks fertility-specific underwriting, provider relationships, and patient support.
- LightStream (Truist): LightStream, a division of Truist, offers unsecured personal loans marketed for high-ticket purchases including medical procedures. It competes for prime fertility-treatment borrowers at competitive rates, leveraging Truist's bank balance sheet, but without the fertility-domain expertise and provider-channel relationships.
Regional players
- Fertility Within Reach: Fertility Within Reach is a non-profit organization focused on expanding fertility treatment access through education, advocacy, and grants rather than lending. It is comparable as a fertility-access enabler but does not directly compete in the lending product category.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
CapexMD, LLC financial estimates
Financial estimateRevenue estimate
Valuation estimate
CapexMD, LLC leadership team
Management profileNumber of profiles
CapexMD, LLC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CapexMD, LLC M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CapexMD, LLC
What does CapexMD, LLC do?
CapexMD provides unsecured personal loans specifically for fertility treatments, ranging from $3,000 to $60,000 with repayment terms of 6 to 84 months and fixed APRs of 8.99% to 24.99%. The company offers a 0% interest 6-month promotional financing option for qualified borrowers, and funds are disbursed directly to fertility providers within 2 business days, covering treatments across multiple providers under a single loan.
Is CapexMD, LLC a public or private company?
CapexMD, LLC is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CapexMD, LLC founded?
CapexMD, LLC was founded in 2009. It employs 11 to 50 people.
Where is CapexMD, LLC based?
CapexMD, LLC is headquartered in Scottsdale, United States, in the North America region.
How does CapexMD, LLC make money?
Three revenue lines are on record. Loan Interest Income is the primary driver. The others are promotional Financing (0% 6-Month Offer) and application and Processing Fees.
Who are CapexMD, LLC's main competitors?
Direct peers on record are Alphaeon Credit, PatientFi and Win Fertility. Broad incumbents are CareCredit (Synchrony Financial), Prosper, GreenSky (Goldman Sachs), SoFi Personal Loans, LendingClub and LightStream (Truist). Fertility Within Reach is listed as a regional player.
Does CapexMD, LLC have an API?
No public API is recorded for CapexMD, LLC.
What industry is CapexMD, LLC in?
CapexMD, LLC's product category is Fertility Financing. Its primary akta.pro industry code is FSAKAAAF, Medical & Healthcare Personal Loans (Unsecured Installment), with a secondary code of FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 522220 and its SIC code is 6141.