fertility-financing
(5)
Gaia puts a price on uncertainty
IVF asks patients to keep paying before they know whether it will work. Gaia bundles treatment, financing, and specific protections into one price - and makes the financial risk part of its own problem.
Angela Rastegar
Angela Rastegar is the co-founder and CEO of Sunfish, a Los Angeles fertility-finance company that treats the cost of building a family as a problem worth engineering around. After a 2016 egg-freezing attempt left her facing a confusing, expensive and isolating bill with no insurance to lean on, she went to work inside the fertility industry, watched patients drain 401(k)s and sell engagement rings, and then built a platform of loans, grants, guidance and a money-back IVF Success Program priced off a patient's own biodata. A two-time founder with a Stanford biology degree and a Stanford MBA, she raised a $10M Series A in early 2025 and put a refund guarantee at the center of an industry that has long charged for attempts rather than outcomes.
PatientFi
PatientFi is a healthcare fintech that lets patients pay for elective medical treatments over time through simple monthly payment plans. Its point-of-sale platform partners with medical practices - across plastic surgery, dermatology, dentistry, ophthalmology, fertility and medical spas - to offer instant, soft-credit-check financing so patients can afford care without upfront strain, while practices grow revenue. Headquartered in Irvine, California, the company markets itself as 'The Friendly Way to Pay.'
Sunfish
Sunfish is a Los Angeles fertility fintech that helps people pay for and navigate IVF, egg freezing, surrogacy and donor journeys. It pairs a loan marketplace and all-inclusive, flat-fee treatment bundles with a partial money-back guarantee, an AI model that predicts cycle cost and outcomes from patient biodata, and human and emotional support. Founded in 2022 by Angela Rastegar after her own isolating fertility experience, the company has supported over $200 million in loan applications across all 50 states and works with 70+ clinic locations.
Todd Watts
Todd Watts is the co-founder and CEO of PatientFi, an Irvine, California fintech that lets patients pay for elective and out-of-pocket healthcare in monthly installments at the point of care. Since starting the company in 2017, he has built a platform that has helped roughly 320,000 patients qualify for more than $3 billion in care across aesthetics, fertility, dentistry, ophthalmology and audiology, reaching a $140 million annual revenue run rate and 130 employees. A former J.P. Morgan investment banker with a Yale MBA, Watts was named an EY Entrepreneur Of The Year 2024 Pacific Southwest winner.