Riaan 
“Hlala uzolile.”
Yilokho uGreg Becker, isikhulu esiphezulu seSilicon Valley Bank, etshele amakhasimende ngoLwesine ekuseni ocingweni lwengqungquthela, aphuthuma ahlangana ukuze awaqinisekise ukuthi isikhungo saseSanta Clara siyazethemba ukuthi sizobhekana nenkinga yemali.
Ekupheleni kosuku, njengoba amafemu ezamabhiliyoni asezingeni eliphezulu anxusa izinkampani zawo ukuthi zikhiphe imali yazo, ibhange selibone ukuhoxiswa kwezigidigidi ezingama-42 zamarandi. Kwakuwukusebenza kwebhange ngokugcwele, ukuketula umbuso ngokumelene nesinye sezikhungo ezimaphakathi zomkhakha wezobuchwepheshe okugqugquzelwa amanye ama-booster anomsindo kakhulu. Ukwehluleka kwebhange kwesibili ngobukhulu emlandweni wase-US, ngemva kokuwa kwe- Washington Mutual ngo-2008, kukhuphule umcabango wokudilizwa kwabantu abaningi ekuqaleni kanye nokuntengantenga okubanzi ohlelweni lwezezimali lwase-US.
Umsunguli wenkampani yezobuchwepheshe u-Sara Mauskopf cishe ubeyingxenye yalokho kuphuthuma ukuphuma. Ngesikhathi ezama ukukhipha imali encane ku-akhawunti yakhe ngoLwesine, ibhange lase livalile usuku lonke. Ukuthengiselana bekulindile ngoLwesihlanu ekuseni, lapho uMnyango Wokuvikela Ezezimali kanye Nokusungula eCalifornia vala i-SVB futhi ifake izimpahla zayo ekutholeni usizo nge-Federal Deposit Insurance Corp.
“Angizange ngiyibone nhlobo iza,” kusho uMauskopf.
Izinkampani ezingenakubalwa ezweni lonke zinezezimali ezihlanganiswe ne-SVB ngandlela thize, okuhlanganisa imali mboleko kanye nama-akhawunti wokushanela imali. Leli bhange, elibhekelele ezobuchwepheshe, imali yebhizinisi kanye nezinkampani ezizimele zokulingana, libe nempahla elinganiselwa ku-$209 billion ekupheleni konyaka odlule, ngokusho kweFederal Reserve, okulenza libe ngeye-16 ngobukhulu e-US.
Manje lezo zinkampani kufanele zilinde ngokukhathazeka ukuze zithole ukuthi zizokwazi yini futhi nini ukubuyisa imali engaphezu kuka-$250,000 womkhawulo oqinisekiswe yi-FDIC, isimo esingadinga ukungenelela kukahulumeni okwengeziwe.
UMauskopf, umsunguli wenkampani yokunakekela izingane uWinnie, uthe usebhange ne-SVB kusukela kwasungulwa inkampani yakhe ngo-2016. Akakwazi ukuthola imali edingekayo ukuze aqhube ibhizinisi lakhe, okuhlanganisa nokuhola.
“Uma ungeke uqinisekise ukuthi abasebenzi bazokhokhelwa ngesikhathi, kuba nomthelela omkhulu kubantu,” kusho uMauskopf.
Ngisho nezinkampani ezingabhange ngqo kwa-SVB zingase zibe nezingqinamba ekukhokheleni abasebenzi ngenxa yokwehluleka kwayo. Inkampani ephethe i-HR i-Rippling isebenzise ibhange ukuqhuba izinsiza zayo zokukhokhela, kusho isikhulu esiphezulu uParker Conrad Twitter. Selokhu yashintshela kuJPMorgan Chase & Co., kodwa izinkokhelo eziqalwe ekuqaleni kwesonto zingabambezeleka, kusho uConrad.
Usizi lwe-SVB lusukela ekunyukeni okukhulu kwamazinga enzalo okuqale ngonyaka odlule futhi kwabukela phansi inzuzo yesikhundla sayo esikhulu sebhondi. Isigaba esinzima senkinga yayo siqale ngoLwesithathu lapho ithengisa ingxenye enkulu yezibambiso zayo ilahlekelwe cishe amaRandi ayizigidi eziyizinkulungwane eziyi-1.8 ngemuva kwentela ukuze iqinisekise ukuthi ingamboza ukuhoxiswa kwediphozithi futhi izimisele ukuqoqa imali eyizigidi eziyizinkulungwane ezingama-2.25 zamaRandi. Njengoba amasheya ehla ngenxa yezindaba, amakhasimende ezwa iphunga lobuthakathaka bezezimali futhi aqala ukukhipha imali yawo ukuze agweme ukunamathela ekulahlekelweni.
I-FDIC ithe bonke abafaka imali bazofinyelela ngokugcwele kumadiphozithi abo anomshwalense ungakapheli uMsombuluko. Kepha yi-12.5% kuphela yama-dollar ayizigidi eziyizinkulungwane ezingama-173.1 kumadiphozithi afakwe umshwalense ngasekupheleni kuka-2022, ngokusho kombiko wonyaka webhange.
UJessica Mah, owasungula inkampani ye-accounting software eDinero, uthe unamakhasimende amaningi anama-akhawunti e-SVB, okuhlanganisa nelilodwa elinemali eyizigidi eziyi-100 zamadiphozithi lapho. Abanye abanikazi bamabhizinisi bacubungula uxhaso lokukhokhelwa uma bengakwazi ukuthola imali ngaleso sikhathi, kusho uMah.
Abadiphozithi abangaqinisekisiwe bazothola isitifiketi sokwamukela yenani elisele lezimali zabo ezingaqinisekisiwe, ezingase zibuyiselwe esikhathini esizayo njengoba i-FDIC iqeda izimpahla ze-SVB.
Kungenzeka ukuthi uhulumeni wobumbano, okhathazekile ngokutheleleka okungenzeka kwamanye amabhange, uzongenela ngaphambi kwalokho ukuze aqinisekise wonke amadiphozithi e-SVB. UMauskopf uthe akuphathelene nokuthi “i-VC ecebile [venture capital] izimali zifanelwe uhlobo oluthile lwebheyili,” kodwa mayelana nokuthi amabhizinisi angakwazi yini ukukhokha izikweletu zawo ngemali ayizuzile.
“Ngifuna ukwenza isiqiniseko sokuthi abantu bayaqonda ukuthi lokhu kunomthelela wangempela kubantu bangempela abangacebile,” kusho yena.
Ezinye izinkampani zezinsizakalo zezezimali ezibhekelele ukuqala, okuhlanganisa i-Stripe ne-Brex, zenza izimali zitholakale ezinkampanini ezifana ne-Mauskopf’s.
I-Brex ihlinzeka ngomugqa wesikweletu webhuloho eliphuthumayo kumakhasimende e-SVB axhaswe yimali yenkampani yangaphandle, inkampani ibhale kuwebhusayithi yayo, kusho uMauskopf, kanti uStripe unikeza kusengaphambili imali engenayo yesikhathi esizayo.
Omunye umsunguli wezobuchwepheshe ozinze eLos Angeles uthe akachithanga sikhathi ekukhipheni imali ku-SVB ngokushesha nje lapho ezwa ngokwehla kwesitoko futhi wakwazi ukubuyisela u-85% wezimali zenkampani yakhe, nakuba inkampani yakhe isenezigidi ezimbalwa zamaRandi ezisele ku-SVB. .
Uphinde atshale imali ekuqaliseni nge-AngelList, inkundla enkulu yokwethula izimali zebhizinisi. Ngenxa yokuthi amabhange e-AngelList ane-SVB, inhlokodolobha anakho nayo iqandisiwe.
Nakuba izingqapheli eziningi zivuma ukuthi i-SVB cishe ibizokwazi ukubhekana nenkinga yayo yemali ukube amakhasimende akazange azame ukukhipha amadiphozithi ngesikhathi esisodwa, umsunguli wezobuchwepheshe uthe asikho isizathu sokuthi abantu babonise ukubekezela.
“Asikho isizathu sokugcina imali yakho lapho ngoba ingozi embi, ngisho noma ingu-0.1% … ukuthi ulahlekelwa yiyo yonke imali yakho,” kusho yena. “Angifuni nje ukuba yingxenye yabokugcina abamile.”
UWilliam Hsu ungumsunguli we-LA-based venture capital firm i-Mucker Capital, enamakhulu ezinkampani kuphothifoliyo yayo yalelo bhange eline-SVB. U-Hsu uthe ukhathazekile ngemiphumela engaba khona yokuwa kwebhange kuyo yonke imikhakha yebhizinisi, ezobuchwepheshe kanye neyokuqala emasontweni nasezinyangeni ezizayo.
“Ngikhathazeke kakhulu ngezinkampani zami ze-portfolio nokuthi zizokhokha kanjani. Ngikhathazeke kakhulu ngabasebenzi abasebenzela izinkampani zami,” usho kanje.
Kuphinde kube nemithetho ethinta ukungakhokhi abasebenzi, okungaholela ekutheni kudilizwe abantu abaningi njengoba izinkampani zingafuni ukudedela abasebenzi.
I-Hsu ibheka eminye imithombo yemali engaboshiwe ne-SVB ukuze ihlanganise izinkampani zayo ukuze ikhokhelwe okulandelayo.
Imicimbi yangoLwesihlanu cishe izokhubaza imboni yezamabhizinisi izinyanga njengoba izinkampani ezizixhasayo zilwela ukuqhubeka nokusebenza, kusho uHsu.
“Imali eningi leyo eyeka ukungena emnothweni,” kusho yena.
Umbhali wezisebenzi ze-Times uLindsay Blakely ufake isandla kulo mbiko.
