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Some thoughts...
Your system is set-up so that a large client can get away with doing things that ruin things for the rest of us. Apparently, your banking relationships are weak enough that it can mean a stop on your money. Also, apparently you have so little cash on hand that when this happens, everything breaks down.
This raises two basic questions for me...
1.) How can your clients know this won't just happen again?
2.) How stable and trustworthy is your company?
For an operation like yours, you should have the money on hand to pay people. Your debt is to your clients, and they need not be concerned about why you can't pay. It is your responsibility, no matter what happens to your sources of money.
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