Ask HN: Recommended ways to get capital for a "non-startup" IT consultancy

I've run a consulting business for a little bit over a year now. We have 3-5 solid, repeat clients, so we have some cashflow history (though we are by no means "raking it in" -- still only make barely enough to support myself and my family). and I am getting to the point where some capital would be really helpful in both handling what we have now and in growing to handle more.

What's the recommended way to get capital in this situation?

Banks are sketchy and questionable, I don't trust them at all. And I don't really want a loan because if things turn south I'd rather not be walking around with a huge debt over my head.

I also don't really want to deal with a bunch of financial formalities like stock, mainly because I don't have time to study or set up all of that.

I understand that I will probably have to do at least one of these anyway. Which is better? I am not an accountant or lawyer and have limited experience in loan-getting, corporate registration, private stock transactions, etc., and would like this to proceed with as little interruption or distraction as possible.

Where can I find some benevolent businessmen who would be interested in investing something, so I don't have to try for a loan right away? I live in Utah and my marketing materials are very Utah-centric. I know an investor here but I think he is a bad dude and want to stay as far away from him as possible.

Again, this isn't really a startup in the HN sense; this is a normal IT consultancy, we mainly do custom development but have some IT/admin stuff too. I do have plans for product-based startups, but I am trying to bootstrap with consulting because it is a much more straightforward endeavor. Once I have this sufficiently established that it is generating a good, relatively-passive salary for me, I will be interested in expanding into other businesses.

In my opinion this should be a pretty straightforward, typical business development deal. We have a cashflow history and have existed for a short while (slightly over one year) and the business could expand significantly if I had a bit of capital to hire some more contractors, etc.

All advice appreciated.

EDIT: This post is meant to be exploratory and help catalog options available for people in similar situations -- a small business that is starting to get pretty busy and would like to expand and have some additional cash-on-hand so that we can take better care of our current customers and garner up some new ones.

The two replies thus far seem to have read in a much more self-entitled tone. Sorry, my intention was not to sound self-entitled or naive; I am fully intent on compensating any investors either via stock or interest, I just want to know what the experienced business community here at HN suggests as the best resources to find interested parties, whether it's a bank, investment group, incubator, whatever, and how to go about the deal in a way that is least likely to disrupt or distract from the primary business.