As Darbyram has said there is no easy answer.The firm i own is in the feild where you can't get a tradesman for love nor money.(Yeah right. there must something wrong with my phone it's not ringing all the time.)You need to borrow enough money to pay bills for 18 months as cash flow is the one thing you do not need to be worrying about.In this period you will know if it'll work.The bigger the company you sell your product to, or work for the longer it takes them to pay.The best way to cut down on the risk of failure and be successful is to buy into a franchise.Traditionally the general public is very wary of a new product or service so word of mouth is always the best advert.If you have a complaint no matter how small, deal with it promply as a customer will happily tell all their friends about the out come,so make sure its a favorable out come.But most of all you need to be in the right place at the right time with a good dollop of luck.Failling that keep buying that lotto ticket.