Does anyone know how to legitimately apply for small business grants without the up front costs? There are thousands of websites but I have always heard that if there is a fee they are most likely not legit? Anyone out there with some experience in this? Any help appreciated.

I have one of the Matthew Lesko books, and see some possibiliites for small business grants. They all ask for a formal business plan in order to apply. I have everything set up in my head, but don’t know the format to write one.