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Retailers face a perfect storm due to the rising cost of capital, trouble in the banking sector, slowing residential real estate market, record levels of household debt and persistent inflation that is already turning the tide on consumer demand.

RapidRatings Listed in the Spend Matters Almanac and ProcureTech100 for 2021

These companies were meant to be disruptors to the industry. But as macroeconomic pressures intensify and capital gets harder to find, they may be put to their biggest test.