acissej, you are in the right frame of mind here. You mentioned ONE thing that a Comm. Lender loves to hear:
"...have a good amount of reserve money..."
A lender wants to know that you have some skin in the game. No lender wants to be the only one in the transaction taking risk. Get a good, realistic business plan that includes an opening bal. sheet and a proforma (at least three years). A PFS and probably T/Rs as well as collateral is also necessary in most instances.
Check out this site. It's just one of many. Let google be your friend.
http://www.sba.gov/