I'd start by retaining your accountant as a consultant for a few additional hours, to run these questions by him. He should be able to tell you pretty quickly

I'd start by retaining your accountant as a consultant for a few additional hours, to run these questions by him. He should be able to tell you pretty quickly how easy/difficult/costly it will be to incorporate as a C or S corp, and issue stock. Either way you choose to raise money-- via bank or investors-- there is going to be a fair bit of pointless (to you) paperwork, and silly hoops to jump through. Get used to this idea. It is part of the price of doing business.