How Can I Finance my Surrogacy Journey? For people who are unable to carry children of their own, surrogacy can make the dream come true. But, like many good things in life, surrogacy comes with a price tag. However, couples and individuals hoping to pursue surrogacy have more than a few ways to pay for the costs such as fertility financing loans, crowdfunding, and surrogacy grants. 

  • Fertility Financing Loans: Borrowed funds through low-interested fertility-specific loan programs. 
  • Crowdfunding: Asking family, friends, and others online to donate small amounts of money over a limited period. 
  • Surrogacy Grants: Apply for nonprofit grants to cover any expenses associated with surrogacy. 

1. Fertility Financing Loans

Many organizations offer “fertility financing,” a loan or financial aid plan covering clinic procedures, lab work, medications, and other necessary procedures. These plans may also offer low-interest rates, discounts, and fertility expert support.  

Family Source Consultants recommend Prosper Healthcare Lending, one of the best-known fertility financing companies in the U.S. Prosper Healthcare Lending has helped more than 250,000 people grow their families through surrogacy. As the premier financing company in the fertility and surrogacy industries, it has provided over $3 billion in funded loans – so their record speaks for itself. 

Benefits of using Prosper Healthcare Lending include: 

  • Financial aid for ANY fertility or surrogacy-related expenses, including medication and travel 
  • Loans of up to $100,000 
  • Terms of up to 7 years  
  • Instant decision without affecting your credit on loans under $35,000 when submitted through the Standard Credit Program. 
  • It takes less than two minutes to apply through your provider’s website. 

To learn more visit Prosper Healthcare Lending

 2. Crowdfunding for Surrogacy

Crowdfunding involves asking a large number of people to donate small, affordable amounts of money over a limited period of time. The larger the group, the more money you can accumulate, and the easier it is to hit your target.  

Crowdfunding campaigns are usually announced on social networks such as Instagram and Facebook, which makes it easy for supporters to share.  

Tips for a successful campaign: 

  • Choose a crowdfunding site that allows donations for surrogacy (e.g., GoFundMe, AdoptTogether, and Indiegogo) 
  • Check fees for setting up your projects and receiving donations, payment options, and how user-friendly the site is.  
  • When writing your story, explain why you’re pursuing surrogacy, why building a family is important to you, and how you will use the funds.  
  • Break down the costs required for each part of your surrogacy journey.  
  • Include photos of yourself, or maybe even a video!

3. Surrogacy Grants

Another option for prospective Intended Parents is surrogacy grants. A surrogacy grant is a quantity of money given by an organization, usually nonprofit, to help fund your dream of becoming a parent. Unlike a loan, a surrogacy grant doesn’t have to be paid back.  

Surrogacy grants can cover any expenses associated with surrogacy, including IVF, agency fees, and any medical services that may be required. Some organizations will pay directly to your fertility clinic or surrogacy agency, while others may give the money directly to you.  

Important things to know:  

  • Some organizations will require specific criteria, such as couples who are married and/or are legal residents of the United States, along with an official diagnosis of infertility by a medical professional.  
  • Surrogacy grants are usually awarded once or twice yearly and are worth amounts ranging from $2,000 to $16,000.  
  • Grants won’t cover the full cost of the surrogacy process, but they can certainly help!  

The Next Step 

Building a family through surrogacy doesn’t have to drain your life’s savings. There ARE options for financial assistance – it’s just a matter of finding the options that suit your needs.  

If you need to know more, simply get in touch with the FSC team. We are the experts on all things surrogacy-related: Many have already been through it themselves!  

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Staci Swiderski, CEO and owner of Family Source Consultants, has been a prominent leader in reproductive medicine for over two decades. Through her strategic vision and dedication, she has developed Family Source Consultants into a globally recognized agency specializing in comprehensive egg donation and gestational surrogacy services. Under Staci’s leadership, the agency has become a trusted partner for intended parents, surrogates, and egg donors worldwide, known for its rigorous standards, compassionate support, and commitment to excellence in third-party reproduction.

Her professional insight is uniquely informed by her own family-building experiences. As an intended parent, Staci welcomed her son via gestational surrogacy in 2005, and as a known egg donor, she assisted an infertile couple in expanding their family. These experiences lend a rare depth to her leadership and have fueled her ongoing dedication to ethical, empathetic, and professional support within the field of reproductive medicine.