<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>gfsdgsfgfds</author><text>Just one anecdote of many. I&amp;#x27;m a founder of a bootstrapped startup. We are&amp;#x2F;were with SVB. On Thursday I tried to get a Brex cash account setup to move some operational cash there but it didn&amp;#x27;t happen in time. I thought of wiring money out of SVB to my personal account but decided it felt too dodgy. Payroll for 2 weeks ending March 15th had to be funded through Gusto by tomorrow (March 13th). So I did all I could do without delaying payroll, dropped my salary to near zero and wired the payroll money to Gusto from my personal checking account. Being bootstrapped and low headcount this was possible. I&amp;#x27;ll have to retrospectively do some loan paperwork I guess. It would have been a tougher comms to staff if I didn&amp;#x27;t happen to have enough liquidity personally.</text><parent_chain></parent_chain></comment><story><title>OpenAI CEO Sam Altman sent startup six-figure loan after SVB collapse</title><url>https://www.businessinsider.com/sam-altman-sent-money-support-startup-payroll-svb-collapse-report-2023-3</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>roboy</author><text>Q from outside the US: why is capital needed for payroll mid month? Are there some automatic insolvency processes if it is missed by a day? Why do the companies fall apart if there is just a few days of payment delay? (I mean it is obviously a shit situation, and having to tell the team payment might take a few days more than usual is bad, I am just surprised how 2 days of no-cash seem to wreak havoc…)</text><parent_chain></parent_chain></comment><story><title>OpenAI CEO Sam Altman sent startup six-figure loan after SVB collapse</title><url>https://www.businessinsider.com/sam-altman-sent-money-support-startup-payroll-svb-collapse-report-2023-3</url></story>