Sorry for the confusion and thanks for your help.
I can't tell you much about the MCAT - up until now, it has only been offered twice a year and timing was important but the MCAT is moving to an all-computer-based format which I understand will be offered much more often. I'd go to
www.aamc.org and click on the "MCAT" link - I forget what the direct address is.
I hate to be a downer, but I'll try to give you honest advice. Medical schools say that you can major in whatever you want to, but business majors are unusual - be prepared in interviews to defend why you want to go to medical school straight out of business school.
You have a bigger problem, though. A 3.1 - 3.2 GPA, if you can do it, is marginal for a U.S. school - not impossible, but marginal. I know that a 3.5 is an "A" average, but there are plenty of people ahead of you in line with far higher overalls than that. Your MCAT score is going to be very important - don't try to take it until you've taken Physics II - Physics II has more practical application - like optics and electromagnetism, and that's what the MCAT tends to test on (in my opinion - people have done fine without Phys II, but I don't recommend it - especially since you need a great score).
A "C" in Genetics and Micro and a "D" in Cell Bio is a big red flag. That says to an admissions committee, loud and clear, that you're having a tough time with upper-division life sciences. Not a good omen at all. I understand perfectly well how that might have happened - accounting school is tough and there's a lot of homework, I know - but you're going to have to fix at least Genetics and Cell Bio. Maybe you can fix Genetics with some other upper division courses, but I'd retake Cell Bio since it's on your transcript and looks terrible.
One thing you should know - the AMCAS system used by allopathic schools does not allow grade replacement - both old and new grades for a course count. The AACOMAS system used by osteopathic schools allows old grades to be replaced with new ones for the same course. I don't know how you feel about osteopathic medicine - osteopaths are the equivalent of allopaths in every way, and don't believe the stories you hear about how much lower osteopathic admission standards are - in cases like yours with some bad grades that would really benefit from grade replacement, osteopathic is sometimes a good choice.
Your other alternative is a formal two-year post bacc program rather than an informal year of post-bacc self-directed course work. That's expensive, though, and I wouldn't do it unless you're sure you can perform better in upper-div science courses once you're out of business school.
Sorry - I do wish you well. The road to medical school is not easy.
