How Access Fertility Embraced Embedded Lending and Grew Patient Uptake by 10%
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Overview
Access Fertility is a UK-based IVF outcomes provider focused on improving access to fertility treatment through innovative financial products.
• Industry: Healthcare / IVF
• Model: Embedded Consumer Lending
• Founded: 2013
• Region: United Kingdom
By deploying TurnKey Lender’s AI-powered lending automation platform, Access Fertility transformed financing from a barrier into a core growth engine.
The Challenge: Cost Was Blocking Care
IVF is one of the most expensive and emotionally complex healthcare journeys. A single cycle can cost thousands of pounds, and many patients require multiple rounds before success.
For Access Fertility, this created a clear constraint on growth.
Patients were not limited by clinical eligibility. They were limited by affordability.
Traditional financing options introduced new problems:
• Third-party lenders created misaligned incentives
• Standard payment plans lacked flexibility
• External providers did not align with patient-first values
“IVF is a high-cost area, and for many patients, being able to get the funds together to access the treatment they need is quite difficult.”
— Ash Miller, Chief Executive Officer and Founder, Access Fertility
Access Fertility needed full control over financing design, delivery, and experience.
The Strategic Shift: Becoming the Lender
Access Fertility made a decisive move.
They did not outsource financing.
They built their own lending operation.
This was not a feature.
It was a structural transformation of the business.
They introduced:
• 0% interest IVF financing
• Refundable IVF programs with money-back guarantees
Financing became part of the core patient journey. It removed uncertainty and increased trust at the point of decision.
The Challenge Behind the Strategy
Building a lending operation requires more than capital.
Access Fertility needed infrastructure to support:
- Loan origination and underwriting
- Real-time credit decisioning
- Regulatory compliance
- Portfolio management at scale
- Seamless digital experience for patients
They needed to operate like a lender without building a bank from scratch.
The Solution: TurnKey Lender as the Embedded Lending Infrastructure
Access Fertility partnered with TurnKey Lender to power its entire lending lifecycle.
TurnKey Lender provided a unified, automation-first platform that consolidates workflows, decisioning, and integrations into a single system.
End-to-End Lending Automation
- Loan origination
- Configurable underwriting and credit scoring
- Automated decisioning
- Loan servicing and collections
Integrated Ecosystem
- CRM integration for unified patient and borrower data
- Credit bureau and financial data connections
- Electronic document and e-signature workflows
- Payment processing and banking integrations
Real-Time Decisioning
“With the right data in front of us, we can make a lending decision in as little as 15 minutes using TurnKey Lender.”
- Instant decisions for complete applications
- Full underwriting cycle reduced from 14 days to approximately 3 days
Results at a Glance
Access Fertility transformed financing into a measurable growth engine
- 40–45% of patients use financing
- 5–10%+ increase in patient uptake
- £10M+ loan book scaled to tens of millions
- 3 days underwriting cycle, down from 14 days
- 15 minutes decision time with full data
- 12,000+ babies delivered
Operational Transformation: Scale Without Headcount
Access Fertility achieved significant scale without expanding operations at the same rate.
- Approximately 30 users manage the full lending operation
- No proportional increase in headcount
- Fully digital workflows eliminate manual processing
“The operational improvements we’ve seen by using a system like TurnKey Lender mean we can take on millions of pounds in loan book without additional headcount.”
Automation replaced manual effort, allowing the business to grow efficiently while maintaining control.
Business Impact: Financing Became a Core Revenue Driver
The introduction of embedded lending delivered measurable commercial outcomes.
- Financing adoption reached 40 to 45% of patients
- Patient uptake increased by 5 to 10%
- Average transaction value increased
- Loan book expanded to tens of millions of pounds
Financing is no longer a support capability. It is a primary driver of conversion, revenue, and growth.
Human Impact: Expanding Access to Parenthood
Behind every data point is a real outcome.
Access Fertility has helped bring more than 12,000 babies into the world through its programs.
“We’ve managed to help over 12,000 babies to be born. Each one is a personal story and a special experience for the families involved.”
Accessible financing enabled more patients to pursue treatment and complete their journey.
Why TurnKey Lender
Access Fertility selected TurnKey Lender for its ability to deliver a complete lending infrastructure with flexibility and control.
- Fully configurable, no-code platform
- Deep integration capabilities across systems
- Automated decision workflows driven by configurable rules and data inputs
- Scalable architecture designed to support growth and evolving lending models
“They’ve really taken the time to understand what Access Fertility is about and how we want to operate. It’s been seamless in terms of integration with everything else in the stack, and from start to finish, it’s been pain-free.”
TurnKey Lender enabled Access Fertility to operate as a lender while scaling like a technology company.
What’s Next: Expanding the Embedded Lending Model
Access Fertility continues to expand its lending strategy.
- Targeting more than 50% financing adoption
- Extending financing beyond core IVF products
- Expanding lending capabilities to partner clinics
The business is evolving beyond a healthcare provider. It is becoming a financial infrastructure platform within the IVF ecosystem.
The Takeaway: Embedded Lending as a Growth Strategy
This case reflects a broader shift.
Embedded lending is a strategic capability for organizations that want to remove friction, increase conversion, and scale efficiently.
With the right platform, businesses can:
- Unlock new revenue streams
- Improve customer experience at the point of decision
- Scale operations without increasing cost base
- Build long-term competitive advantage
Access Fertility did not just solve a financing problem. They redesigned their business around it.