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For leaders planning the future of care
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Financial Strength for Healthcare Providers
Grand Arc Factoring partners with growth-oriented hospitals and healthcare groups to turn receivables into stable liquidity. We help leaders invest and plan — without increasing leverage or disrupting operations.
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Who we serve
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Healthcare leaders focused on
growth and building the future of care
Growth-Oriented Providers
Expanding clinical services, sites or capacity
Growth-Oriented Providers
Expanding clinical services, sites or capacity
Modernizing Systems
Upgrading technology, infrastructure, and staffing
Modernizing Systems
Upgrading technology, infrastructure, and staffing
Modernizing Systems
Upgrading technology, infrastructure, and staffing
Scaled Healthcare Organizations
Managing multi-site operations and long-term investment plans
Scaled Healthcare Organizations
Managing multi-site operations and long-term investment plans
Patient-Centered Leaders
Committed to improving patient access and quality of care
Patient-Centered Leaders
Committed to improving patient access and quality of care
Well-Governed Institutions
Guided by strong governance and a sustainable financial framework
Well-Governed Institutions
Guided by strong governance and a sustainable financial framework
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what we do
]
Transforming Receivables Into Strategic Liquidity
We convert predictable reimbursement streams into immediate working capital, helping executive teams and boards to serve their communities better:
Reduce cash-flow volatility and protect operational stability
Accelerate capital projects and strategic initiatives
Improve budgeting accuracy and planning visibility
Reinforce an organization’s ability to serve its community
Maintain resilience during periods of uncertainty
[
what we do
]
Transforming Receivables Into Strategic Liquidity
We convert predictable reimbursement streams into immediate working capital, helping executive teams and boards to serve their communities better:
Reduce cash-flow volatility and protect operational stability
Accelerate capital projects and strategic initiatives
Improve budgeting accuracy and planning visibility
Reinforce an organization’s ability to serve its community
Maintain resilience during periods of uncertainty
[
what we do
]
Transforming Receivables Into Strategic Liquidity
We convert predictable reimbursement streams into immediate working capital, helping executive teams and boards to serve their communities better:
Reduce cash-flow volatility and protect operational stability
Accelerate capital projects and strategic initiatives
Improve budgeting accuracy and planning visibility
Reinforce an organization’s ability to serve its community
Maintain resilience during periods of uncertainty
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HOW WE OPERATE
]
A Seamless, Governance-Ready Financing Model
Grand Arc Factoring integrates smoothly into existing administrative and revenue-cycle workflows. Onboarding is designed to be fast and low-friction, with minimal disruption to your teams
Origination & Sourcing
01
Identification of healthcare providers, RCM networks, and intermediaries generating eligible receivables.
Preliminary Screening & Underwriting
02
Initial assessment of claim types, payer mix, historical cash conversion, and provider profile.
Data Verification & Eligibility
03
Integration with billing companies, clearinghouses (EDI 835/277) and RCM platforms to validate claim status and payer responsibility.
Credit, Risk Analysis & Underwriting
04
NRV (Net Realizable Value) modeling, aging and payer concentration review, risk scoring.
Structuring & Pricing
05
Define advance rates, discount
margins, reserve levels, and servicing terms.
Legal & Compliance Review
06
Contract execution, HIPAA compliance, AML/KYC, UCC filings, and DACA lockbox setup.
Funding, Onboarding & Credit Reinsurance
07
Capital allocation, purchase execution, receivable onboarding to the monitoring platform. Credit Reinsurance with AIG.
Ongoing Monitoring & Reporting
08
Daily remittance matching, claim
status updates, investor reporting, and portfolio analytics.
Origination & Sourcing
01
Identification of healthcare providers, RCM networks, and intermediaries generating eligible receivables.
Preliminary Screening & Underwriting
02
Initial assessment of claim types, payer mix, historical cash conversion, and provider profile.
Data Verification & Eligibility
03
Integration with billing companies, clearinghouses (EDI 835/277) and RCM platforms to validate claim status and payer responsibility.
Credit, Risk Analysis & Underwriting
04
NRV (Net Realizable Value) modeling, aging and payer concentration review, risk scoring.
Structuring & Pricing
05
Define advance rates, discount
margins, reserve levels, and servicing terms.
Legal & Compliance Review
06
Contract execution, HIPAA compliance, AML/KYC, UCC filings, and DACA lockbox setup.
Funding, Onboarding & Credit Reinsurance
07
Capital allocation, purchase execution, receivable onboarding to the monitoring platform. Credit Reinsurance with AIG.
Ongoing Monitoring & Reporting
08
Daily remittance matching, claim
status updates, investor reporting, and portfolio analytics.
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WHY PROVIDERS CHOOSE US
]
A Partner Focused
on Your Mission
We aim to be a quiet, stable, and dependable component of your financial infrastructure enabling you to become even stronger.
Strengthen financial stability without taking on debt
Expand services & improve patient access
Invest in clinical excellence, equipment, and technology
Support staffing plans & physician recruitment and retention
Maintain resilience during periods of uncertainty
Improve vendor terms & reduce operational strain
[
WHY PROVIDERS CHOOSE US
]
A Partner Focused
on Your Mission
We aim to be a quiet, stable, and dependable component of your financial infrastructure enabling you to become even stronger.
Strengthen financial stability without taking on debt
Expand services & improve patient access
Invest in clinical excellence, equipment, and technology
Support staffing plans & physician recruitment and retention
Maintain resilience during periods of uncertainty
Improve vendor terms & reduce operational strain
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Help & Support
]
Frequently Asked Questions
If you don’t see your question here, we’re always available to help. Get in touch to discuss your needs, explore opportunities, or clarify how we work.
Can my business get approved for funding from GAF?
Yes. Whereas other lenders solely focus on personal credit scores, businesses’ creditworthiness and collateral, GAF focuses on the creditworthiness of the 3rd party insurance payers that will be paying the claims.
How long will it take me to finish my application?
GAF’s simple application can be finished in minutes, either online (grandarccapital.com/funding) or by phone. We will follow up with a few more questions and request a bit of documentation to complete our review and provide you with a term sheet within 24 hours of receiving the requested information.
How much financing can my business get?
GAF offers financing from $500,000 to $25 Million.
What types of business does GAF lend to?
Our funding solution can help any health care provider that bills private or government insurance entities for medical services. Examples include, but are not limited to: medical offices, imaging centers, hospitals, diagnostic centers, surgical facilities, pharmacies, to name but a few. GAF also funds almost all personal insurance claims. We do not fund workers’ compensation or personal injury claims.
What about customer service – can I talk to a real person?
You can reach GAF five days a week from 8am – 8pm EST, or email info@grandarccapital.com
What about rates?
Rates vary, determined by type and mix of claims (third party vs government), historical turnover, collection history, and billing practices.
How quickly can my business get funded?
Once all documentation has been received, due diligence completed, and the agreement is signed, funding is usually executed within 24 hours.
What are two typical funding scenarios that will provide steady income for immediate needs?
1) You invoice your client/patient/customer (c/p/c) for $1,000. GAF gives you $800 today and awaits direct payment from your c/p/c. GAF receives the $1,000 and gives you the remaining $200, minus our fee. 2) You file a $1,200 claim with your Insurance Payer. The net realizable claim is $1,000. GAF gives you 80% of the net realizable claim ($800) today and awaits payment from your Insurance Payer. The claim is paid by your Insurance Payer and received by GAF. You get the remaining $200, minus our fee.
[
Help & Support
]
Frequently Asked Questions
If you don’t see your question here, we’re always available to help. Get in touch to discuss your needs, explore opportunities, or clarify how we work.
Can my business get approved for funding from GAF?
Yes. Whereas other lenders solely focus on personal credit scores, businesses’ creditworthiness and collateral, GAF focuses on the creditworthiness of the 3rd party insurance payers that will be paying the claims.
How long will it take me to finish my application?
GAF’s simple application can be finished in minutes, either online (grandarccapital.com/funding) or by phone. We will follow up with a few more questions and request a bit of documentation to complete our review and provide you with a term sheet within 24 hours of receiving the requested information.
How much financing can my business get?
GAF offers financing from $500,000 to $25 Million.
What types of business does GAF lend to?
Our funding solution can help any health care provider that bills private or government insurance entities for medical services. Examples include, but are not limited to: medical offices, imaging centers, hospitals, diagnostic centers, surgical facilities, pharmacies, to name but a few. GAF also funds almost all personal insurance claims. We do not fund workers’ compensation or personal injury claims.
What about customer service – can I talk to a real person?
You can reach GAF five days a week from 8am – 8pm EST, or email info@grandarccapital.com
What about rates?
Rates vary, determined by type and mix of claims (third party vs government), historical turnover, collection history, and billing practices.
How quickly can my business get funded?
Once all documentation has been received, due diligence completed, and the agreement is signed, funding is usually executed within 24 hours.
What are two typical funding scenarios that will provide steady income for immediate needs?
1) You invoice your client/patient/customer (c/p/c) for $1,000. GAF gives you $800 today and awaits direct payment from your c/p/c. GAF receives the $1,000 and gives you the remaining $200, minus our fee. 2) You file a $1,200 claim with your Insurance Payer. The net realizable claim is $1,000. GAF gives you 80% of the net realizable claim ($800) today and awaits payment from your Insurance Payer. The claim is paid by your Insurance Payer and received by GAF. You get the remaining $200, minus our fee.
[
start with grand arc factoring
]
Speak With Us Confidentially
If you are exploring ways to support your organization’s strategic and financial objectives, we invite you to contact us.
A senior member of our team
will respond directly
[
start with grand arc factoring
]
Speak With Us Confidentially
If you are exploring ways to support your organization’s strategic and financial objectives, we invite you to contact us.
A senior member of our team
will respond directly
[
start with grand arc factoring
]
Speak With Us Confidentially
If you are exploring ways to support your organization’s strategic and financial objectives, we invite you to contact us.
A senior member of our team
will respond directly