> I would probably never even think about going a bank loan route if I was responsible for the money, but I hear that when you incorporate your company, you are

> I would probably never even think about going a bank loan route if I was responsible for the money, but I hear that when you incorporate your company, you are no longer personally responsible for any losses. wow, if you're that confident about your product why wouldn't you put your neck on the line? Note: personal debt sucks. Build an early cheap prototype for, maybe, under $10k - use elance.com for example, and get a few users, prove the ARRR model and raise an angel round off that. Or, apply to YC with a technical co-founder. If thats too much $$$, build a great powerpoint deck explaining exactly what you're doing, why its great, who the customers are and why they'll pay. oh and how you'll get those customers. and why you can do it but no one else. then get violated by early stage investors as you raise money off a product which doesn't exist and you're an unproven solo founder. the short answer to "i need capital" = build something people will pay for. can't program? learn.