the scottish teams fall into 4 types:
1 - small community clubs, which includes most of the division 2 and 3 clubs plus the highland / lowland league and the juniors; they are used to operating on a very small budget, usually live within their means, have part time players on low wages and have local community support. i consider that most will be OK and some will benefit by replacing clubs higher up the pyramid.
2 - big, in scottish terms, professional teams; the top 6-8 with high overheads, wages as a significant % of income with big national or international sponsors. I would list Us, celtic, Aberdeen, St Johnstone, Hibs, Motherwell, Livingstone) These will be a case by case basis; they will need money in the bank or access to cash as loans or a relaxation of the FFP rules for investment. It will be squeaky bum time for a few, likely including us, and i think one of the six will go to the wall.
3 - project clubs with significant reliance on individuals / small groups (Partick, Dundee Utd, Cove Rangers maybe a few others) will depend on the willingness of the individuals and the effect the virus has on them personally. i think Cove will be fine, Partick are heading for death and Dundee Utd are 50/50, they should be OK if promotion goes ahead, if not then they are 75:25 against.
4 - teams who think they are bigger than they are or are leveraged, in debt, or struggling with small crowds and poor facilities anyway (the Caley Thistle, Ross County, Hearts, Dundee, Dunfermline, Kilmarnock, Albion, Cowdenbeath, maybe Morton etc). I think these clubs will struggle and we will see a number of them fold.