Did you find your way out of the problem already?
This happened to me last night. When the fam returned to their retail shop, the shop had no operating funds so couldn't be opened. However, the shop menu wouldn't allow the transfer of household funds to the store. (The store had $40,000+ when last visited).
I was able to sell the store by going to Manage Worlds and clicking on the store's lot.
Under ...., I found the Sell Store option.
Before I sold the store, though, I moved all my merchandise, furniture, and kitchen stuff to household inventory.
After I sold the store, I used the phone to Buy Retail Store again.
When I returned to the lot, I was able to transfer funds from household to store. BUT all my hard-earned retail perks and painstakingly nurtured employees had vanished. *sniffles
Before my store glitched, I'd used Manage Worlds to move some people out of my household. (This isn't a dynasty or challenge file; I'm just playing around with GTW.)
I don't know if that's what caused my store to glitch.
If you found another way to deal with your problem, would you let me know?