Sam is planning to start a pool cleaning business from his home. He has developed the following cost analysis for the set-up and operation for the first year of his business. He has $9,000 in savings and $23,000 in credit that he can use for the business. Approximately what percent of the initial set-up and operation costs will Sam need to finance with a lender or investor? Item Cost Truck $9,000 Pool Cleaning Supplies $6,000 Payroll $23,000 Advertising $1,500 a. 19% b. 23% c. 33% d. 78%.