I want to start a small family restaurant..How do I go about getting the loans??

I know there are SB loans, but do they require a professionally written business plan, or is that something I could type up myself? Also, are there grants out there for women, minorities, etc.? My husband is Hispanic, although he was born in CA., he is currently out of work (he just got laid off). We both also have American Indian in our blood, although this may be difficult finding any documentation. We live in CA.....any ideas where to start?