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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.

Learn more

Speak with our team

Speak with our team

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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

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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

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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

Identification of healthcare providers, RCM networks, and intermediaries generating eligible receivables.

Preliminary Screening & Underwriting

Initial assessment of claim types, payer mix, historical cash conversion, and provider profile.

Data Verification & Eligibility

Integration with billing companies, clearinghouses (EDI 835/277) and RCM platforms to validate claim status and payer responsibility.

Credit, Risk Analysis & Underwriting

NRV (Net Realizable Value) modeling, aging and payer concentration review, risk scoring.

Structuring & Pricing

Define advance rates, discount
margins, reserve levels, and servicing terms.

Legal & Compliance Review

Contract execution, HIPAA compliance, AML/KYC, UCC filings, and DACA lockbox setup.

Funding, Onboarding & Credit Reinsurance

Capital allocation, purchase execution, receivable onboarding to the monitoring platform. Credit Reinsurance with AIG.

Ongoing Monitoring & Reporting

Daily remittance matching, claim
status updates, investor reporting, and portfolio analytics.

Origination & Sourcing

Identification of healthcare providers, RCM networks, and intermediaries generating eligible receivables.

Preliminary Screening & Underwriting

Initial assessment of claim types, payer mix, historical cash conversion, and provider profile.

Data Verification & Eligibility

Integration with billing companies, clearinghouses (EDI 835/277) and RCM platforms to validate claim status and payer responsibility.

Credit, Risk Analysis & Underwriting

NRV (Net Realizable Value) modeling, aging and payer concentration review, risk scoring.

Structuring & Pricing

Define advance rates, discount
margins, reserve levels, and servicing terms.

Legal & Compliance Review

Contract execution, HIPAA compliance, AML/KYC, UCC filings, and DACA lockbox setup.

Funding, Onboarding & Credit Reinsurance

Capital allocation, purchase execution, receivable onboarding to the monitoring platform. Credit Reinsurance with AIG.

Ongoing Monitoring & Reporting

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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our team

]

Partners in Healthcare Financial Stability

We are a team of professionals who work side by side with healthcare organizations, building trusted relationships grounded in reliability, transparency, and long-term perspective.

Chief Executive Officer (CEO)

Marc Bergeron

Senior investment executive with over three decades of experience in structured credit, alternative investments, and sustainable finance, with a strong track record across investment management and strategic leadership.

Director, Healthcare Partnerships & Origination

James Gallagher

Senior alternative investments professional with over 15 years of experience in operational due diligence, capital formation, and investor relations, with focused expertise in healthcare finance and medical receivables origination.

Chief Marketing Officer (CMO) & Origination

Ranjit Moses

Senior marketing & communications executive specializing in brand strategy & implementation and media relations across financial services, with strategic vision, operational discipline, and a global commercial focus.

Chief Technology Officer (CTO)

Sunny Gambhir

Technology strategist with deep experience in AI-first engineering, architecture, and secure platform delivery across healthcare and financial services, bringing expertise in compliance, data strategy, and end-to-end technology governance.

Head of Underwriting

Sacha Haymoz

Serial entrepreneur and investor with over 20 years of experience in healthcare corporates, entrepreneurial companies, and venture investing, with deep expertise in advisory, due diligence, and identifying opportunities in global healthcare.

Co-head of Underwriting

Ashish Malik

Healthcare entrepreneur with over 25 years of experience across pharmaceuticals, consulting, and healthcare, specializing in due diligence, risk assessment, analytics, and managing performance across complex healthcare value chains.

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Help & Support

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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.

get in touch

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.

get in touch

Can my business get approved for funding from GAF?

How long will it take me to finish my application?

How much financing can my business get?

GAF offers financing from $500,000 to $25 Million.

What types of business does GAF lend to?

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?

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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

Reach Our Team

[

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

Reach Our Team

[

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

Reach Our Team

Financial Strength for Healthcare Providers

Healthcare leaders focused ongrowth and building the future of care

Transforming Receivables Into Strategic Liquidity

Transforming Receivables Into Strategic Liquidity

Transforming Receivables Into Strategic Liquidity

A Seamless, Governance-Ready Financing Model

A Partner Focusedon Your Mission

A Partner Focusedon Your Mission

Partners in Healthcare Financial Stability

Marc Bergeron

James Gallagher

Ranjit Moses

Sunny Gambhir

Sacha Haymoz

Ashish Malik

Frequently Asked Questions

Frequently Asked Questions

Speak With Us Confidentially

Speak With Us Confidentially

Speak With Us Confidentially

Healthcare leaders focused on
growth and building the future of care

A Partner Focused
on Your Mission

A Partner Focused
on Your Mission

Frequently  Asked Questions

Frequently  Asked Questions