First, Are you starting a business of just trying to get a garage space to work on your own cars? Think about, The answer will be important.
If your serious about starting a business, Go to the local community collage and sign up for the adult education course for starting a small business. Listen to the instructor carefully and use the information to your benifit.
Contact the local planning and zoning to see if your type of business will be allowed to opporate in that building. Some cities require serious building mods like extra heavy fire walls between one type of business to an other, serious sprinker systems, safety features for customers, handy cap accessability, etc. If you get past these hurdles you can move onto the next one.
Really sit down with a pencil and paper and figure out what your costs will be. First and formost, What do you want to make for your ("owner return on investement") If you don't figure you can do the work, pay all the bills and get compensated a fair wage and profit above that wage for all the work it takes don't do it! You need to learn to pay yourself first! The wage and profit filed on your taxes will allow you to establish a track record and show your banker you are a sound risk when you want to grow. Don't worry about hiding money and dodging taxes, that kind of activity will only hurt you at the bank later. Include all the other stuff like rent, insurance (can be a huge part for the cost) , utilities, taxes, taxes, taxes, etc.
have 6 months of your projected opporating cost in the bank before you stick the key into the lock. Gaurd that money with your life. Stay away from borrowing from it to buy tools and equiptment. That's not it's intended use.
Just a few quick thoughts for you. And one more. Stay away from borrowing money period! Go slow to start. Small businesses are the financial resource for employement wages, and carry the largest tax burden in the U.S. The failure rate is huge!
Good luck!
Oh, and one more word of wisdom for what it's worth. If you get into a pinch for money, don't think you can just get a loan and that will fix things. You can't borrow yourself out of debt. Dig in your heals and find more work or cut your costs. Small businesses have those kinds of short term money needs all the time.