Generate a full detail guide on how to secure small business grants. The guide must be a practical, action-oriented resource. It should include detailed sections on: 1. The difference between a grant and a loan. 2. A list of websites and resources for finding grant opportunities (e.g., Grants.gov, SBA). 3. A step-by-step guide to writing a compelling grant proposal. 4. Tips for finding local and state-specific grants, such as those available in Tennessee. 5. Common mistakes to avoid in your application. Please include a disclaimer that grant writing is highly competitive.