How do you assure that users will transition to something that will pay the lenders? If a SaaS startup goes down tomorrow and the VC backers or lenders don't ow

How do you assure that users will transition to something that will pay the lenders? If a SaaS startup goes down tomorrow and the VC backers or lenders don't own the direct competition, then when users jump ship the VC backers or lenders have nothing. The SaaS startup's cloud space can't be sold at auction, they probably rented any office space, and the employees will take their CV elsewhere. The IP might be salvageable if patented or otherwise unique but that's still a long shot given any direct competition. No where in there is a method to retain users or shift them to benefit the VC backers or lenders and recover debt. Maybe via user data that can be sold or pitched as useful to a competitor? Maybe by standing up a competitor and advocating users shift there an can migrate their accounts?