You will see a lot of things online about getting grants.They are all scams.They will request a fee up front - and then you will get denied.Grants are only given out if you are destitute, only through organizations like the salvation army or united way - they will have the contacts to the goverment agencies.Grants are also given to people starting up a non-profit organization.Don t go for online loans - again - they will take your money - and you will get denied./
You need to start with a business plan. In RI were have the SBA - Small Business Administration and SCORE They help with obtaining small business Loans. But first I would talk to a CPA to advise you on the right structure for your business and what is available in your area.They are also familiar with Gov t grants that are now being given. Economy is bad hopefully you will qualify for one or more of the programs available. Talk to a CPA first most will not charge you for the consultation thinking they will get you as a client. Which being in business you will need one anyway. Any grants or loans given require you to submit financials periodicly.Good Luck