After spending six figures and four years across five cycles, three clinics and two countries to conceive, Nader AlSalim launched Gaia to spare others that same financial anguish. The New York-based startup just secured a $100 million debt facility from Viola Credit to scale operations across the U.S., following a $14 million Series A in January that brought total equity funding to $37 million.

Gaia bundles care, capital and financial protection into one product for the $39 billion fertility market. Members get personalized AI-driven fertility forecasts and outcome-based financing — if the first IVF cycle fails, Gaia covers the next at no extra cost. The platform now serves 1,100 memberships across 200 clinics in 40 states.

With a closed-loop data model spanning consultation through live birth, Gaia has built a competitive moat that aligns incentives across patients, clinics and financiers. Enterprise clients — from Silicon Valley tech firms to Denver manufacturers — are buying the benefit product rapidly, giving the sole founder a distribution channel that goes well beyond direct-to-consumer marketing.