Ok, sorry for the delayed reply.
Given the situation with your business, the absence of previous Depressive episodes, and the absence of a family history of mood disorder we can probably assume that you are experiencing a reactive Depression (a reaction to life events) as opposed to an organic Depression (a biochemically based Depressive Illness). This is a good thing.
The recommended sequence of treatment for a reactive Depression is;
1) A Cognitive Behavioral Therapy (CBT) based self-help program
2) Intensive CBT with a clinician
3) Intensive CBT and an anti-depressant medication (usually a Selective Serotonin re-uptake Inhibitor)
It is quite common for family doctors to focus on using anti-depressant medication (as this is what the area they work in) but in fact the evidence shows CBT should be the first and foremost treatment with medication used as a second stage.
Start by working through this excellent CBT based self-help program here http://www.cci.health.wa.gov.au/resources/infopax.cfm?Info_ID=37 . I use this material with patients regularly and it will teach yo everything you need to know about Depression and how you can use CBT techniques to lift your mood. If after working through the program (it takes several weeks) you are still having difficulty I would then recommend you consult with a CBT trained therapist. CBT is usually offered by Clinical Psychologists (although not exclusively) and you can contact the American Psychology Association (APA) for assistance with locating a Psychologist; take a look at the APA locator service here. You can use this to find Psychologists in your area and there is a phone number you can contact if you want a referral arranged for you. I understand that finances are a problem and the APA will be able to locate clinicians who charge on a sliding scale. Also, take a look at an article published by the APA here. It's an interview with a senior Psychologist and covers some of the things you should consider when you looking for a Psychologist.
If the APA cannot find a low fee clinician in you area then you could try these following services for assistance with finding low cost services:
You can contact The U.S. Department of Health and Human Services here for assistance with locating federally-funded health centers in your area. These centers can provide services even if you have no health insurance. You pay what you can afford, based on your income. These centers provide health, mental health and substance abuse services. Type in your address and click the 'Find Health Centers' button to find health centers near you.
You can contact the National Alliance on Mental Health here. NAMI are a consumer organization that has a network of local branches that can provide a wealth of information on the kind of services offered locally.
You can contact Mental Health America here. The MHA website contains lots of information regarding mental health issues, treatment options and available resources.
You can contact the United Way here for assistance with finding mental health services in your local area.
I hope this has been of some help. Please let me know if you have further question s or would like me to clarify any part of my answer.