What Access Fertility does

Access Fertility is a UK-based, privately held fertility-finance and program-management company founded in 2015 and headquartered in Higham Ferrers, Northamptonshire. It builds and distributes fixed-price IVF treatment programmes that bundle multiple egg collections with unlimited frozen embryo transfers, and underwrites a refund mechanism that returns up to 100% of the program fee if treatment does not result in a live birth. Its product portfolio comprises four tiers (Refund, Multi-Cycle, Unlimited, and Donor Egg), priced from approximately £7,250 to €19,000, plus a 0% interest finance product offered through its wholly-owned subsidiary Fertility Finance Ltd (company number 10508524), allowing patients to borrow up to £12,000 over 12 months.

The company's core technology is the Aphrodite Patient Portal for digital enrollment, form signing, and treatment tracking, supplemented by an online partner-clinic management system and the proprietary Fertility Calculator and IVF Cost Calculator tools. Payments are processed via TrueLayer under open banking, and the company integrates with Google Analytics for web analytics. No public API or partner-facing developer platform exists; the technology layer is functional rather than technically differentiated.

Access Fertility distributes its programmes through a hybrid go-to-market combining direct-to-consumer acquisition (website, phone-based Patient Advisors, free nurse consultations, content marketing) with a network of 100+ partner fertility clinics across the UK, Ireland, Spain, Portugal, Poland, and Greece that administer treatments and refer patients. Revenue is generated from upfront programme fees (retained on successful outcomes, partially refunded on unsuccessful ones) and from finance arrangements, with the refund mechanism functioning economically as an insurance pool across participants. The company is led by founder and CEO Ash Carroll-Miller, with a senior team including a COO, Medical Director (Professor Scott Nelson of the University of Glasgow), CTO, General Counsel, Head of Commercial, Senior Underwriter, and country managers, and is privately held with no external institutional investment evidenced in the available materials.

Name

Access Fertility

Legal name

ACCESS FERTILITY LIMITED

Website

https://accessfertility.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Access Fertility is a UK-based fertility-finance company that sells fixed-price IVF treatment programmes with up to 100% refunds if treatment fails, distributed through a 100+ partner clinic network across the UK, Ireland, and mainland Europe.

Ownership category

akta.pro rank

Headquarters

HQ city

Higham Ferrers

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. IVF Program Fees: Access Fertility generates revenue by charging fixed fees for multi-cycle IVF treatment packages. Patients pay upfront for programs (Refund, Multi-Cycle, Unlimited, Donor Egg) that bundle multiple IVF cycles at discounted rates compared to pay-as-you-go clinic pricing. The company retains revenue from successful treatments while refunding unsuccessful ones.
2. 0% Interest Finance: Finance solutions for patients to spread the cost of treatment. FERTILITY FINANCE LTD (company number 10508524) provides lending services. While marketed as 0% interest, the company generates revenue through these financial arrangements.
3. Refunds as Insurance Mechanism: The refund programs function as an insurance mechanism. Patients who don't achieve a live birth receive refunds (50%, 70%, or 100%), while successful patients' fees are retained by the company. This creates a risk pool across all program participants.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Access Fertility sells fixed-price, multi-cycle IVF treatment programmes that bundle multiple egg collections and unlimited frozen embryo transfers, with refund protection of up to 100% if treatment does not result in a live baby. It also offers a 0% interest finance product to spread treatment costs and operates the Aphrodite patient portal for digital enrollment and treatment tracking across its UK, Ireland, and European partner clinic network.

Product overview

Access Fertility offers a portfolio of four refund-based IVF treatment programmes designed to reduce financial risk and costs for patients undergoing fertility treatment. The core portfolio consists of: the IVF Refund Programme (2-3 cycles with up to 100% refund if no baby, for patients under 40), the Multi-Cycle Programme (2 cycles at discounted price for patients under 45), the Donor Egg Refund Programme (for patients under 49 using donor eggs with 50-100% refund options), and the Unlimited Programme (unlimited cycles over 2 years with 100% refund for patients under 38). These programmes are supplemented by a 0% Interest Finance option (borrow up to £12,000 over 12 months), free patient tools including a Fertility Calculator and IVF Cost Calculator, and the Aphrodite Patient Portal for digital enrollment and treatment tracking. All programmes include unlimited frozen embryo transfers, in-cycle bloods and scans, blastocyst culture and transfer, and access to partner clinics across the UK, Ireland, and Europe.

Differentiator

Problem solved

Functional benefit

Brands

• Aphrodite: Patient portal used to enrol patients onto programmes and track treatment.
• IVF Refund Programme
• Multi-Cycle Programme
• Donor Egg Programme
• Unlimited Programme

Products and services

• IVF Refund Programme Multiple IVF cycles (2 or 3 egg collections with unlimited frozen embryo transfers) for a fixed price with up to 100% refund if treatment does not result in a baby. Available to patients under 40 using their own eggs, subject to medical review with a 90% acceptance rate.
• IVF Multi-Cycle Programme Multiple cycles of IVF for a fixed, discounted price (up to 30% savings vs paying clinic directly) with 2 egg collections and unlimited frozen embryo transfers. Available to patients under 45 with a 100% acceptance rate and no medical review required.
• Donor Egg Refund Programme

Quantifiable outcome

• Over 12,000 babies born through Access Fertility programs
• +5 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core, flagship and minor.

• SIMS IVF Clinics (Ireland Network)coreChannel Partner/ Reseller/ Distributor · 1 January 2015SIMS IVF is a major fertility clinic network in Ireland with locations in Dublin (Clonskeagh), Cork, Limerick, Dundalk, Swords, and Carlow satellite clinic. They provide IVF/ICSI treatment services to Access Fertility program patients. Egg collections and embryo transfers at main clinics; satellite clinics provide bloods and scanning services.
• ReproMed IrelandcoreChannel Partner/ Reseller/ Distributor · 1 January 2015ReproMed is a fertility clinic network in Ireland with locations in Dublin, Cork, Galway, Kilkenny, and Swords satellite clinic. They provide IVF/ICSI treatment services to Access Fertility program patients.
• UK Fertility Clinics NetworkcoreChannel Partner/ Reseller/ DistributorAccess Fertility partners with approximately 70 clinic sites across the UK offering IVF/ICSI treatment programs. Specific named UK partners include Manchester Fertility (where the first money-back guarantee was piloted), TFP Nurture Fertility Clinic, London Women's Clinic (Wales), Lister Fertility Clinic, Hull & East Riding Fertility, and LCRH.
• European Fertility ClinicscoreChannel Partner/ Reseller/ DistributorPartner clinics in Spain, Portugal, Poland, and Greece serving European patients. Portugal-specific contact number +351 308 815 000. Programs available in multiple European languages.
• Manchester FertilityflagshipChannel Partner/ Reseller/ DistributorFirst UK clinic to pilot Access Fertility's money-back guarantee program in 2014. Embryologists at Manchester Fertility were the first in Britain to offer the 'money back guarantee' concept for IVF treatment.
• Bourn Hall CliniccoreChannel Partner/ Reseller/ DistributorPartner clinic working with BICA (British Infertility Counselling Association) on patient experience research. Access Fertility supports infertility counselling initiatives.
• HFEA (Human Fertilisation and Embryology Authority)minorOthersUK independent regulator overseeing use of gametes and embryos in fertility treatment. Access Fertility refers patients to check clinic success rates on HFEA website.
• IVF BabbleminorStrategic or Co-development PartnerFertility information website with patient stories featured on Access Fertility blog. Provides accessible fertility information explained in digestible format.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ARC Fertility: ARC Fertility is the closest US analog to Access Fertility, offering IVF refund, multi-cycle, and financing programs to patients across the US through partner clinics. Same core product (multi-cycle bundles with refund protection) and same intermediary business model.
• Future Family: US fertility financing and care-navigation company offering loans and packaged IVF plans. Directly comparable in providing patient-facing financing and multi-cycle packages, though focused on the US rather than Europe.
• WIN Fertility: US fertility benefits and financing provider offering refund/assurance-style programs through employer benefit plans. Closely comparable to Access Fertility's insurance-like refund product architecture.

Broad incumbents

• Kindbody: US fertility clinic operator and benefits provider with its own clinics plus employer fertility benefits. Comparable in the fertility access/affordability theme but with vertically integrated clinics, which is the disintermediation risk for Access Fertility.
• Progyny: US fertility benefits management platform that bundles IVF coverage for employer-sponsored plans. Comparable in addressing financial friction in IVF access, but operates via employer-sponsored benefits rather than direct-to-consumer refunds.
• Carrot Fertility: Global fertility benefits platform serving employers with inclusive fertility, family-forming, and hormonal-health benefits. Comparable in tackling the affordability and risk layer of fertility treatment, but with a B2B benefits structure rather than Access Fertility's D2C refund model.

Emerging players

• Maven Clinic: Virtual women's and family health platform covering fertility, pregnancy, and postpartum care. Comparable in addressing the financial and clinical-journey barriers around fertility, though primarily digital rather than a refund/insurance model.

Regional players

• Hertility Health: UK-based reproductive health testing and clinical pathway company focused on fertility assessment and at-home hormone testing. Comparable in offering UK patients a structured pathway into fertility services, though focused on diagnostics rather than refund financing.
• Gaia (Fertility): Portugal-based fertility clinic and reproductive medicine operator, comparable to Access Fertility's European clinic partnerships (Portugal in particular). Represents both a potential partner and a potential vertically-integrated competitor in the Iberian market.

Others

• Univfy: Provider of personalized IVF success-prediction models used by clinics and patients to forecast live-birth outcomes. Comparable in that Access Fertility's Fertility Calculator is built on similar multi-cycle cumulative success-rate methodology.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/accessfertility
• YouTubeyoutube.com/@accessfertility3697
• Facebookfacebook.com/accessfertility
• LinkedInlinkedin.com/company/access-fertility
• Instagraminstagram.com/accessfertility

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Access Fertility