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%