Depends on how big the startup is, how high the burn rate is and how on top of things the founder is and if they managed to pull the money before everything bro

Depends on how big the startup is, how high the burn rate is and how on top of things the founder is and if they managed to pull the money before everything broke down. If the startup is small, you should be fine, $250K should be accessible relatively quickly, beyond that will be a process that can take long time and there is no guarantees. But a small scrappy startup with not super high burn rate might be hugely impacted. Large startups with high burn rate are pretty much screwed though and are gonna have to downsize pretty aggressively and quickly.