Look into getting a line of credit that covers at least three months of overhead, including your salaries.
Your business structure matters. If you’re an S-Corp, any money left in the business might count as personal income. Check with your CPA to confirm. Having a line of credit or owner-contributed funds with interest paid back can also help.
Most people say three to six months of expenses. Personally, I save 12–18 months because COVID taught me that anything can happen. It takes time to build up those reserves, but it’s worth it for peace of mind.