Forget about grants - they just don't work that way. Regarding loans - if your credit is OK and you have some cash flow to service the debt - then try your local bank. Depending on how much you need - try: 1) peer to peer loans, 2) micro loans, 3) if you have retirement fund, you can self-invest them in your business, 4) credit cards - the most use form of start-up business financing on the planet. We provide information and resources on our site for all these options and many more depending on your situation.  There is no cost to use our site.  You can find information about difference financing options as well as search for lenders or providers.  You search, you compare and you select what is best for you - again - no cost or strings. Know this too - even though you have a three year budget - that does not mean you need enough money now to get you all the way through those three years. Break your needs down to what you actually need to get started.  After your business is up and running, other financing options will open to your business.

Hi, check out our “loans and grants” webpage at http://www.sba.gov/content/search-business-loans-grants-and-financing for information.