Well you are right to get your business plan written. That is absolutely the first order of business. It doesn't sound hopeless at all. By the time you have your business plan ready hopefully some more of your credit problems would have fallen off the report. You may need to try bank after bank but with your current business successes it shouldn't be impossible to get that SBA loan. Go to your local SBDC office (Small Business Development Centers located in local colleges). They can offer tremendous advice specific to your situation and they can direct you to banks that are favorable to small businesses.

Additionally, don't waste your time looking for grants. It is a falacy that if you are a minority you get funded easier. Grants are issued for non profit organizations and the criteria is extremely specific to certain needs. Any grants that are offered to for-profit businesses are likely to be extremely small ($500 - $1500) and the competition...forget about it.

You're on the right track. The important thing at this juncture is that your business plan be written in such a way that the reader is hooked right from the Executive Summary (the first section) and is enticed to continue to read the remainder and take you seriously.

I have spoken with many loan officers that say they rarely read entire plans because they are so long and boring. So take care to make it consise and complete without going overboard. Look here for help with that.
http://smallbusinessstartup.biz/plan/

You're doing great! I wish you all the luck and have no doubt that you will achieve all you are trying to accomplish with your business.