I'd have to agree about those books being scams. Your bank is the best option. Im a business and finance consultant and I generally only deal with helping people get bank financing because its one of the only REAL sources of financing out there. The key is to find what they require and then locate a resource to help you meet the requirement. Alot of people overlook banks because of there strict requirements for approval, but if you can find a way to get what they need....its well worth it.

Feel free to contact if you need any help with that.