The thing about small businesses is that they are small.  Yes, there are many of them.  No, they don't employ much of the work force. 

"According to the Census Bureau 2018 County Business Patterns survey, more than half (54%) of all employer businesses in 2018 had fewer than five employees but they   only accounted for 5.5% of total employment in all industries."

https://www.census.gov/library/stories/2021/01/what-is-a-small-business.html

And even many of those are now using payroll processing companies like ADP.  

This is where the 93% figure comes from:

"More than 93% of U.S. workers receive their pay via direct deposit, according to the 2022 “Getting Paid in America” survey from the American Payroll Association."

https://www.creditkarma.com/money/i/what-time-does-direct-deposit-hit#