It’s June 19, 2014. Do you know where your banker is? Chances are, you do. At least that’s the indication of an on-going survey from researchers at Graziadio School of Business at Pepperdine University.

According to their most recent survey, released yesterday, small business lenders are making it easier for small businesses to get loans, and they’re giving companies better terms and lower interest rates.

Why? Because small businesses are generally healthier than they were during the recession and its aftermath. Their cash flow is stronger and they’re keeping their expenses down, which makes them more appealing to risk-averse banks that want to lend.

Here are some small business lending highlights from the national survey:

• 44% of small businesses received bank loans during the previous three months (compared to 39% in Feburary and 34% last fall).
• An index measuring small business demand for outside financing of all types fell 1.3 points to 32.1.
• 47% of small businesses said they had no plans to hire in the next six months, up 2 percentage points from February.
• Small businesses planning to hire up to two employees rose to 35 percent from 33 percent
• Small businesses planning to hire three to 10 workers fell slightly
• Small business owners’ revenue expectations for their companies were little changed from February.