If startups have their funds in SVB, which most do, and they can't wire those funds to ADP or whatever there's no payroll. I know this first hand because when

If startups have their funds in SVB, which most do, and they can't wire those funds to ADP or whatever there's no payroll. I know this first hand because when I had a startup we wired upcoming payroll to ADP every two weeks. One week our bank (not SVB) made a mistake and payroll didn't go out. It was a mess but thankfully BofA bent over backwards to fix things.