I don't think a lack of a job is going to hurt your B-School application, especially given that your entire firm shut down. Obviously there is nothing you can do about that, and given the current economic climate, job loss is fairly common and I don't think it's necessarily going to be a negative, but in your situation it's definitely not going to be a negative, as long as you explain it in your essays.
As far as taking a job vs applying for an MBA, obviously the first considerations are financial. If the finances are doable, I would say apply for the top 10 schools like you originally planned, or take a job in line with your desired career path. I wouldn't take a job that didn't advance my career unless I had no other option.