how to start a small business

I am contracting as a limited company in the financial services industry in London. Because of new regulations, anyone contracting as a limited company must now have a business bank account. Can anyone in a similar situation recommend/give advice as to the best bank to go with in this case?

I know nothing about business bank accounts, eg how long do they take to set up, what are (if any) the fundamental differences between a business bank account and a personal on etc.

I went to a class on sunday regarding getting a business grant for my failing business and they start out charging you $3,000. Up to 10,000. And there’s no quarantee that I’ll get the grant. I need help. Does anybody know where I can get a business grant? Also, how do I know if a company is a scam or not?