"need N number of developers, and N number of people to work on marketing and promotion. I also need N amount of dollars for hardware and office space in a down

"need N number of developers, and N number of people to work on marketing and promotion. I also need N amount of dollars for hardware and office space in a downtown location." Are you sure about all of these expenses from day one? The reason startup accelerators like yCombinator are thriving now with small investments is that SaaS, cloud computing and open source have made it much cheaper to start a company, especially for web companies. You can get a cluster of cloud servers for $100/mo. You can hire the best developers from across the US and around the world to work remotely, eliminating the need for a costly office space. You can advertise with PPC and CPA for pennies per eyeball, so you can quickly scale up or down marketing when you need to. You should be able to get version 1 or a beta of your product completed in a few months, for a few grand. Then you have something to take to angels and VC's to get $300k. That way, if the company tanks, you're not on the hook for a business loan.