A $10K wire is less common than say $200 PP payment but it isn't that rare.   We do over $300K in wires a week.  Fund availability is currently tight but we have more than $30K available right now for bank funded payments (ACH, Wire, Checks).  Availability really has to do with growth.  Most of the gross revenue becomes working capital so funds are tight, lots of sales later funds are less tight.  Then a whole new wave of clients find out about us and the cycle repeats.