Capital Integrity Program

Capital Integrity Program™

By Cedric Burl & Company

A Smarter, More Transparent Way to Evaluate and Negotiate Debt Financing

At Cedric Burl & Company, our mission is to help borrowers—especially healthcare operators—secure the best possible debt terms before committing to a long-term loan.

This program is strictly for debt financing, not equity.
If clients need capital sourcing, equity partners, or private investors, they are directed to our Capital Sourcing page or our Fee Schedule page.

What We Do Step Our Role Your Advantage     

1. Deep Loan Review We evaluate your proposed loan terms, fees, covenants, amortization, interest rate, and hidden costs. Clear understanding of whether your deal is strong or overpriced.  

 2. Strategic Repositioning We repackage the project to appeal to lenders who specialize in healthcare and rural markets. Better-quality offers from lenders who understand your sector.   

3. Multi-Lender Outreach We discreetly approach multiple institutions without disrupting your banking relationships. Competitive bids that give you negotiating power.   

4. Side-by-Side Comparison We break down each lender’s offer with exact math—not vague assumptions. Full transparency before you choose a lender.   

5. Closing Support We assist with reviewing the final term sheet to ensure the negotiated improvements are honored. Security and peace of mind going into a 10–20+ year commitment. Fee Structure

• Flat Engagement Fee: $10,000
• Back-End Performance Fee: A negotiated fee (percentage of proven savings) may apply on certain deals.
• Debt-Only Advisory: We do not broker or arrange equity. Those services are on a separate page.

Real-World Example: Rural Hospital + 300-Bed Nursing Home

$10 Million Debt Refinance Evaluation

A rural healthcare operator needed $10 million to refinance a hospital and 300-bed nursing home. Their original bank offered:

• 7.10% interest
• 20-year amortization
• Total interest over 20 years: ≈ $8.7 million

Through our Capital Integrity Program™, we repositioned the project and secured seven competing bids.

Top Lender Offers

Lender Rate Term Total Interest Savings vs Original Original Bank 7.10% 20 yrs $8.7M —   

Regional Bank A 6.45% 20 yrs $7.7M – $1.0M   

Credit Union B 6.25% 20 yrs $7.3M – $1.4M   

Healthcare Lender C (Selected) 5.95% 25 yrs $6.6M – $2.1M savings

This means our restructuring and competitive bidding reduced the client’s long-term cost by $2,100,000.

Understanding the Fee Advantage

Why Our Compensation Model Works in Your Favor

1. Traditional Brokers Charge 1%–2% of the Loan Amount

For a $10 million refinance:

• 1% broker fee = $100,000
• 2% broker fee = $200,000

And those fees are due regardless of whether the broker actually improves your loan terms.
Brokers are paid based on loan size—not results.

2. Cedric Burl & Company's Model Is Results-Driven

Instead of a heavy broker fee, you paid:

• $10,000 flat engagement fee, and
• A negotiated portion of the savings

In this example, we agreed to ½ of 1% (0.50%) of the proven savings.

Let’s do the math:

• Total savings we secured: $2,100,000
• Half a point (0.50%) of the savings: $10,500

Total compensation to Cedric Burl & Company:

• Upfront: $10,000
• Back-end: $10,500
• Total = $20,500

Compare That to a Traditional Broker Fee: Fee Type Amount Paid Traditional Broker (1%) $100,000 Traditional Broker (2%) $200,000 Cedric Burl & Company Total Fee $20,500

Your Savings by Using Cedric Burl & Company Instead of a Broker:

• Compared to a 1% broker fee → $79,500 saved
• Compared to a 2% broker fee → $179,500 saved

Why This Matters

Our model rewards performance, not loan size.

• You only pay more if we actually save you money.
• Your fee is tied to verified economic benefit, not lender relationships.
• You avoid inflated broker fees that take money away from the project.
• The structure helps preserve cash flow for staffing, equipment, patient care, and operations.

This is why rural hospitals, nursing homes, and healthcare operators choose our approach—because it protects their mission and their margins.

If You Need Capital Instead of Debt

If your project requires new money, equity partners, investors, or private capital, please visit:

• Capital Sourcing Page (for equity, investors, JV partners)
• Fee Schedule Page (for capital raise structures)

The Capital Integrity Program™ is for debt review and negotiation only.

The tone is transparent, protective, and confidence-building.

Pre-Engagement Review Disclaimer

Before any client is charged a fee under the Capital Integrity Program™, Cedric Burl & Company conducts an internal pre-engagement review. This review allows us to evaluate the financial strength of the project, the borrower’s qualifications, and the overall viability of securing improved debt terms.

If our internal review determines that:

• the deal is not financeable,
• the structure cannot be improved, or
• there is no realistic path to generating measurable savings,

you will not be charged the engagement fee.
We will communicate our findings upfront so you understand your position before committing to the program.

This ensures:

• You do not spend money on a deal that cannot move forward.
• You receive honest, transparent feedback before any work begins.
• We only accept engagements where we are confident we can add real value.

Our approach is simple:
If we cannot help you improve your debt position, we will not take your money.

Ready to Strengthen Your Financial Position?