Home Fixed interest Univfy and LightStream launch program to make having a baby more accessible for the growing number of people who rely on fertility care to start a family

Univfy and LightStream launch program to make having a baby more accessible for the growing number of people who rely on fertility care to start a family


A new fertility financing option combined with an artificial intelligence-powered platform and concierge guidance from IVF experts enables patients to benefit from lower, more predictable IVF costs and improved pregnancy and childbirth rates.

LOS ALTOS, CA., October 24, 2022 /PRNewswire/ — Univfy®, an AI platform company with a mission to make in vitro fertilization (IVF) accessible, today announced a new funding program that combines Univfy’s artificial intelligence with funding opportunities from LightStream, a division of Truist Bank, to help make fertility treatments more effective and affordable for the growing number of women and couples who need IVF to build their families.

The most common barriers to having a baby for 1 in 5 women unable to get pregnant after a year of trying (infertile people), LGBTQ families and women choosing to freeze their eggs are the high and unpredictable cost of treatment. and the uncertainty of the outcome. Even those who receive partial funding from their employer often find the remaining expenses unfeasible. To make matters worse, delaying fertility treatment to save money, find financing, or explore other options can make a successful pregnancy less likely.

With Univfy, people considering fertility treatment now have the resources to choose a fertility treatment plan that gives them the best chance of success and the confidence to pay for it. Patients can find a licensed fertility specialist who offers the Univfy PreIVF Report, which uses artificial intelligence to accurately predict an individual’s personalized likelihood of success with IVF and how many cycles they might need. Understanding their precise probabilities of success can help the patient and her doctor together create a treatment plan that is personalized for the patient and more likely to result in a baby.

The report will also tell patients if they are eligible for an IVF Reimbursement Program, which offers more than one cycle of IVF at a discounted price. Under the program, patients receive reimbursement from their clinic for a large portion of their payment if they are unsuccessful. Eligibility varies depending on the center they choose, but 50-80% of patients are eligible, reducing patient anxiety and allowing more people to afford multiple rounds of IVF which improves their chances of success. The unbiased and expert Univfy Fertility Concierge is available to guide women and couples in their search for fertility and financial options.

Once the patient knows her treatment plan and cost in advance, LightStream fertility funding may be available to cover treatment costs. “LightStream understands the many obstacles people can face in their fertility journey,” said Senior Vice President Kristin Shuff. “We see how the Univfy team is technically sophisticated and dedicated to patients as they deploy AI to inform patient decisions. Through our Univfy partnership, we hope to help alleviate some of the financial worries that often arise in the fertility process.”

If you have good credit, a LightStream unsecured loan for fertility finance can help make treatment costs affordable and predictable. * Through a simple online application, qualified individuals or co-applicants can receive an unsecured LightStream loan at a very competitive fixed interest rate. assess.* Funds can be used to cover treatment costs for any fertility-related procedures as well as incidental expenses for lab work, genetic testing, third-party reproduction, surrogacy costs, medication, etc. .

LightStream offers a simple, no-surprises lending process. Eligible applicants can obtain funding for up to $100,000–free of charge. Approved borrowers receive their funds directly into their personal bank accounts the same day they apply, when all considerations are met. And because LightStream never charges a fee, customers can repay any portion of their loan at any time, with no additional fees or prepayment penalties. It’s an easy and convenient way to fund fertility treatments.

“Cancer patients are rarely told to try a round of chemotherapy and then see what happens, but all too often women attempt a single cycle of IVF due to financial and feasibility considerations, which greatly limits their likelihood of ‘having a baby’, said Mylene YaoCEO and co-founder of Univfy.

“We are excited to combine our proven and popular AI-based platform that helps patients by predicting IVF treatment outcomes and cost. Opportunities to receive fertility funding through LightStream empowers more people to benefit from one of the safest and most effective fertility treatments available and have more success in having a baby.”

“Univfy pursues the mission of helping people realize their dream of having a family,” Shuff continued. “We hope this partnership will enable many more women and couples to have healthy families.”

About IVF

The demand for fertility care is increasing to meet various medical and family needs. According to a 2013 national survey by Pew Research, 51% of LGBT adults of all ages have children or would like to have children in the future.

The cost of an IVF cycle can reach $10,000 at $20,000, and only 27% of employers with 500 or more employees covered treatment in 2020, according to a 2021 Mercer survey of employers. More than half of patients need at least two to three cycles of treatment to have a baby. Yet if the first cycle of IVF fails, up to 80% of patients discontinue treatment, likely due to emotional and financial exhaustion.

With the fertility funding brought to you by Univfy and LightStream, we hope to enable many more people and couples to get the fertility care they need to start a family.

To learn more about Univfy, visit www.univfy.com.

To learn more about LightStream, visit www.lightstream.com

Univfy® uses artificial intelligence (AI) and human expertise to give women and couples the best chance of having a baby affordably. With the support of Univfy AI and Univfy Fertility Concierge, patients make more informed decisions, which translates to 2x the chance of having a baby at 1/3 lower cost per patient. Founded on the basis Stanford University technology, Univfy has published our methods in peer-reviewed clinical research journals and has established an extensive global intellectual property portfolio with issued patents in the US and around the world.


LightStream is the nation’s leading online lender and offers financing in all 50 states. Recognized by the Better Business Bureau with its A+ rating, LightStream continues to lead the way as a trusted pioneer in the fintech market.

LightStream provides no-fee fixed rate unsecured loans to customers with good credit for virtually any purpose, including fertility financing. Through a quick and easy online process, clients can receive funds the same day an application is submitted. Click on here for important information on same-day financing, LightStream’s Rate Beat program and its $100 Loan Experience Guarantee.

For media inquiries, please contact:
heather hollandcommunication director
E : [email protected]

* LightStream loan terms, including APR, may differ depending on loan purpose, amount, term, and your credit profile. Excellent credit is required to qualify for the lowest rates. The fare is shown with the AutoPay discount. The AutoPay rebate is only available before the loan is funded. Rates without AutoPay are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and conditions are subject to change without notice.

Banking and lending products and services are provided by LightStream, a division of Truist Bank. FDIC member.