It would be worth watching these videos from Khan Academyhttp://khanexercises.appspot.com/video?v=yQtUyBrRBx4
they will teach you a lot of things you need to know about financing.
You should also contact your local small business development Center.http://www.sba.gov/aboutsba/sbaprograms ... CATOR.html
guidance is free.
Based on your website, it looks like you should contact
UNIVERSITY OF WEST FLORIDA
401 East Chase Street, Suite 100
Pensacola, FL 32502-6160