I have a 642 credit score, where can i get a business loan?

Having just opened a restaurant myself I think it's best to look a some type of federal grant for small business ,or if you belong to a credit union they are always helpful with loans or maybe a smaller bank . also you can liquidate some of they owners things like stuff that you want be using or needs to upgrade, but if you have about $250 dollars to spare you can hire a grant writer to help you get money . and your credit score is pretty fair!!