A self-help, online-only resource, The ROI is the foremost financial management resource for retailers and store owners.


Built specially for busy retail owners. No more intimidation from finances or accounting.

Knowledge Is Power! Solve Cash Flow, Profitability, Inventory, Debt, Other Retail Financial Issues - On Your Own!

The ROI's promise: Everybody can "get it"! 



How Do Your Stores Compare?



Department Stores

Variety Stores

















Mail-Order Houses

Online Shopping








The segments featured at The ROI reflect the definitions and designations of the North American Industrial Classification System (NAICS). The top of each Retail Segment Page on The ROI site includes the NAICS code and the NAICS definition for that industry segment.

The ROI has selected six key ratios (from the abundance of ratios available) that are particularly important for retailers to regularly monitor and manage. See The ROI's Benchmarks Resource Center to learn more about these key ratios for retailers.

The ROI's exclusive Retail Benchmark Trend Charts show the median value reported by Risk Management Association's Annual Statement Studies for each of these key ratios each year. There also is a Top Quartile – and Bottom Quartile – of results for every segment. See your bank or local library for those details.



Tips | Tactics | Insights 

Look at just some of what's here for retailers to use. Available nowhere else. Specially for busy retailers!

See for yourself why thousands of growing retailers around the world use and love The ROI!

click each box – see for yourself 

Go to BENCHMARKS Go to INVENTORY Management & Control More about Cash Flow Control Control retail profits Retail 'What if...?' Calculators


Plus, Unique OWNERS Center

 Specially for Owner "pain points"  |  Empowering How-To Resources and Tools


Survival. Cash flow. Growth strategies. Effective delegation. Crisis management. Financing. Succession plans.

Unmatched online resource. Exclusively at The ROI. 

Go here. See more. 

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Sounding Board Service

New! For All Retailers

Changes? Concerns? Want Another Perspective?

Tap into this new service specifically for retail owners and decision-makers: The Retailer's SOUNDING BOARD Service

Private telephone conferences with The ROI Co-Founders

Totally confidential • You choose the topics • It's your sounding board!  Click here. More info. 

Since 1999, empowering retailers and store owners to "Turn on your financial headlights!"