You`ve already had several people offer to help you with your site, so I`ll take another tack. You mention your site needs to accept credit apps, so I`m going to give you some friendly advice about that.
When the person you choose creates the website for you, make sure that the credit application page is secure and that the information is sent to you securely. This means it should Not be sent via email. If they tell you otherwise, you are opening yourself up to a heap of trouble.
Your site should be on a dedicated or Virtual Private Server, and Not a shared server. The page should be served with SSL encryption - the URL will start with https://, and there will be a lock in your address bar. Next, the information should be saved somewhere that is secure, that can only be accessed by a strong password - you will go there to download that information. You must also make sure that the connection you use to access this information is secure - for example, you`re not on an open wifi network.
I`m sure you`re aware of the security requirements once you download the data to your own computer, so I probably don`t need to mention them. However, in case you are not, The Gramm-Leach-Bliley Act of 2000 requires companies significantly involved in financial activities to provide security and confidentiality of non-public customer’s personal records and information. This includes that any computer with non-public information have a strong username and password combination, among other things. You can read the entire act, here: http://www.ftc.gov/os/2000/05/glb000512.pdf
Best of luck to you in your business. I hope your website is a big success.