Outcomes from the lenders we coordinate with.
Co. Buy Sell is building its own advisory track record. These examples show the kinds of capital results delivered by the specialized partners we work with — REIL Capital, Radix Financial Group, Advance Funds Network, and Guidant Financial.
Capital that changes the numbers
The right structure can cut monthly payments dramatically, fund growth that banks decline, or launch a business without new debt. Below are real published outcomes from the partner network we coordinate capital through.
Online seller: $500k SBA refinance
An online retailer with four high-rate MCA loans and an existing SBA note needed $500,000. Three local banks declined. Radix structured an SBA refinance that cut monthly payments from over $30,000 to $6,677, freed an additional $270,000 in working capital, and funded hiring and inventory.
Pizzeria: same-day $52k for oven failure
A Brooklyn pizzeria’s commercial oven failed on a Thursday. Credit was roughly 580. Advance Funds Network approved a merchant cash advance by early afternoon and funded $52,000 the same day. The oven was replaced over the weekend. The restaurant never closed.
Boutique retail: inventory LOC, sales +40%
A boutique shop used a line of credit to pre-buy inventory ahead of demand. Sales rose 40%. REIL’s broader track record includes invoice financing that bridged a trucking firm’s 60-day payment gap, purchase-order financing that let a contractor win a large job, and revenue-based financing that helped a SaaS company triple MRR through marketing.
ROBS: debt-free launches across industries
Guidant’s Rollover as Business Startups (ROBS) structure lets owners invest pre-tax retirement funds into a new or acquired business without taking a loan or paying early-withdrawal penalties. Published examples include a golf course, a bakery, a locksmith franchise, and a specialty retail shop. Guidant has supported the launch of more than 35,000 small businesses through this and related programs.
HVAC contractor: $35k same-day to finish $180k job
A compressor failure threatened a $180,000 commercial contract. The bank that held the company’s account for 12 years declined the request. Advance Funds Network funded $35,000 within hours based on revenue. The job was completed on time.
Debt consolidation and expansion patterns
Radix regularly consolidates stacked high-cost debt into longer-term SBA notes, often cutting monthly payments 50–75%. REIL has funded dental practices expanding with SBA 7(a), contractors winning work with purchase-order financing, and operators reducing payment burdens (one client reported saving over $15,000 per month). Together they cover the spectrum from emergency capital to structured growth.
How these fit our work
These outcomes come from the specialized lenders in our network. Co. Buy Sell does not originate the loans. We coordinate the capital so the structure, timing, and terms are known early — before a buyer or seller is deep in diligence or an owner is forced into expensive short-term debt.
The pattern is consistent: the right product at the right time changes the monthly cash flow, funds the next step, or keeps the business operating. That is the value lift we help clients access.
Examples are drawn from publicly available partner materials. Specific client names and details have been generalized where appropriate. Results vary by credit, revenue, time in business, and use of funds.
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