Many need SVB, we (ScyllaDB) received a great service from them in the past. Later on we just used them as one of our banks, obviously, going forward, we're diversifying our services.

The problem for startups is that debt provider who are also a bank require to move most of the business to that provider. It's not the case other types of debt providers. w.r.t debt - everybody use this mechanism, doesn't matter if you're small or big.

Don’t they need a checking/savings account for payroll?