That's called venture capital, or a loan, or a mortgage; things that millions of others have used to start their own businesses. Happy to make some intro's for you. Let me know.

Loans with no collateral ... right.

Sometimes. Or you give up equity. Or secure it some other way. What's your point? That it's hard to do?

That you can't get a loan when you don't have collateral which is the case when you are not already wealthy.

Then get a job and save up some collateral. That's how many people start. This is really not that complicated.

But that's not always possible when you don't have a good enough job to save which is the reality for a majority of Americans since they live pacheck to paycheck.