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.

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

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.