[Bubbadoo]

Wait, this merchant sells $1MM/month and his business has no LOC (line of credit)? No lawyers? Something's not right here.

[rurp]

The OP explains in the thread that their lawyer is already involved. I would guess that very few businesses in retail can float 100% of their costs with no income for weeks/months.

[650REDHAIR]

$1M/month with low margins won’t get you a $4.5m LOC in the best of times let alone a pandemic.

[FpUser]

I am pretty sure they have LOC. I am also pretty sure that said LOC can be easily exceeded in a situations as the one originally described.