According to a recent survey of 300 small-business owners conducted by Dun & Bradstreet, supplier financing remains the most popular -- or at least the most accessible -- financing option.

Sources of business credit during the past 12 months (August 1993 through August 1994); Percentage of respondents who used it

Trade credit (credit line from vendor) 65%

Credit cards (for business) 40%

Commercial bank loans, secured with business assets 35%

Personal bank loans 15%

Personal loan from a friend or family member 6%

Other 7%

No use of financing 12%

Source: "Small Business Credit Survey," Dun & Bradstreet, August 1994, New York City.