I just wanted to say that it sounds like you’re looking at things from all angles.
My sense is that it sounds like regardless of the source of funding (bank, finance company, govt etc) you are looking at closing the business as you don’t have confidence that revenue levels will return to pre covid levels.
If this is the case then I’d recommend trying to trade out to a nil position so that the financial impact is as low and as short term as possible for you personally.
Like Andy said take a look at the P&L from all angles (and actually look at the assets and whether you need them and if they have resale)
Have you reduced the staff levels down as the demand has reduced? As Andy said you only need to pay if you can afford it- others have made the (very hard) decision to make their staff redundant during this time or negotiated with staff on the rem level they are able to get.
If you are 50/50 on whether to close or not or trade out then on the negotiations on rent I would also consider disclosing this to the landlord (or having a frank conversation with them if you have an existing relationship) as he may be more amiable to negotiate (him getting some rent rather than none in this market would probably suit him better). This would also of course be influenced by the terms of your lease etc.
Final comment is could the premises be used by anyone else so that you could share the load? I know a cafe that is operated by one set of people in the day and is transformed at night with a different menu for example…. could you use the premises differently, how could you entice people back in? market as co-working space for people? Community coffee groups? What incentives have you tried or could try to see if you can boost that revenue line? You could ask your customers and your team for some ideas- bring them in on the conversation and they might have something magic!
Very best of luck.