Where can I find free access to apply for government grants or small business loans?

There are essentially only 3 sources for grants.

Federal grants are called Small Business Innovation Research grants. These are given primarily for some new innovation. You can find out what's available at:

http://www.sbirworld.com

There is also info on this site about how to apply.

Some cities offer grants to small businesses if they will locate in the downtown area, for the purposes of building up downtown traffic. Check with City Hall.

Finally, private foundations offer grants. You can get a list of most US Foundations and private grant sources at http://www.foundations.org/grantmakers.html.

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