How to Finance the Cost of Ukrainian Surrogacy?

One of the important factors which motivate couples to explore Ukrainian surrogacy is that surrogacy in Ukraine costs so much less than in the US with even more favorable legal protections for intended parents. The cost of gestational surrogacy in Ukraine can be as little as 25% of the cost of surrogacy in the US. 

Still, surrogacy is not a small financial step. The cost of a surrogacy program is a significate expense. 

There are many options for financing your Ukrainian surrogacy. The first call should always be to your accountant and/or financial advisor for their professional advice and recommendations. 

Here are some options to consider:

Friends and Family: Often your parents might be wishing for a grandchild as much as you would like a son or daughter! This may be the most generous source of financial support. Parents, relatives, and close friends understand like no one else what you have struggled through to try to have a child. 

Pros: They know and love you. 

Cons: You may want to keep your surrogacy journey private. They may be too emotionally involved.

Pace Your Payments and Cash Flow: At Delivering Dreams International Surrogacy Agency we do all we can to make your surrogacy experience as stress-free as possible. That includes the financial aspects. Since payments for all our Ukrainian surrogacy programs are spaced over the entire surrogacy journey, there are times when you can pause for as long as you need to be able to control your cash flow. 

Some examples are if you are shipping sperm or embryos. You can ship them and then pause before either the IVF cycle or embryo transfer. Egg donors can be reserved for donations months from when you choose them,* providing a waiting period to gather funds together. After doing IVF it is possible to pause before you choose a surrogate and start her stimulation for embryo transfer. These “breaks” make it possible to slow down the surrogacy process to help ensure you are financially ready for the next step and the next payments. 

After starting stimulation of a surrogate for embryo transfer there is no stopping or slowing down!

Pros: No additional cost. Spaces out payment.

Cons: Will increase the length of the surrogacy process. Does not provide additional funding.

0% Credit Cards: In the US, especially in the last few years, there have been a number of banks offering 0% credit cards. Some have no interest for up to 18 months. Although credit card interest is steep, this might be an ideal way of managing cash flow by providing intended parents the flexibility of making surrogacy payments that will be due over the course of the pregnancy while saving the money to pay off the credit card.

Pros: Helps manage your cash flow.

Cons: If the balance is not paid off on time the interest is very high. Mostly available in the US. Availability and credit offered to depend on credit history.

Local Bank Loans: We recommend avoiding huge banks. If you have a neighborhood bank or credit union this should be the very first stop for a loan. The interest is most often far below anything a credit card would demand.

Pros: Lower rates. Confidentiality.

Cons: Interest will vary depending on your location, bank and credit history.

Crowd Funding Sites: There are a number of popular crowdfunding sites. Most cater to a particular audience. Kickstarter for example is a platform that attracts investors to start-up companies. GoFundMe is probably the most diverse and well-known. If you invest the necessary energy and time it can be a good source of funds that have no interest attached and don’t need to be repaid. To be successful it takes time and commitment to truly make your cause resonate with potential donors.

Pros: Donations are interest-free and do not need to be reimbursed.

Cons: These sites are very public. For couples that value privacy and confidentiality this is not a good option.

Refinancing your home: This is a big step and should only be done with the advice of financial professionals. Depending upon the equity in your home, refinancing your mortgage could be a viable option.

Pros: Relatively easy. Low mortgages rates currently

Cons: This can be financially risky.

Our Financial Partner: Delivering Dreams International Surrogacy Agency works with a financial partner to offer loans up to $35,000. The amount of the loan and the interest rate depend on your credit score and credit history. 

Pros: Independent and confidential.

Cons: High-interest rates. Only available to US citizens. The amount of the loan and interest rates vary with your credit history.

Grants: Sadly, there are not many grants for IVF and surrogacy available. Still, it pays to do a thorough internet search. From time to time there are some available.

Pros: Grants are basically free money that does not have to be paid back

Cons: Requires work to find and apply for and lots of competition to get.

Join Delivering Dreams’ Facebook group for intended parents considering Ukrainian surrogacy Intended Parents FB Group.

Schedule a call to get to know the Delivering Dreams team and get information for your particular situation: Schedule A Call

Media Contact:

Company name: Delivering Dreams International Surrogacy Agency
Name: Susan Kibler
Email: info@delivering-dreams.com
Tel.: +1 908 386 3864
 Tel: +380 32 253-7541

website: www.delivering-dreams.com
 Address: PO Box 36, 55 Main Street, Califon, NJ 07830