Business plan is # 1. You will also need about 20% of what you need to invest. Collateral will also help. There are also angel investors you could get to finance your business. Go to www.sba.gov. There will be a lot of valuable information on this site to help you get started. I would also suggest taking some business classes. You need to know what you're talking about, or you will either not get financed, or people could take advantage of you. Here is a link to a business plan template through sba. http://web.sba.gov/busplantemplate/BizPlanStart.cfm
The first step is making a business plan. You should then prepare to be grilled about the viability of your business idea by the potential investor. You can get investment from royalty financing, government funding and from banks micro funds.
Do NOT write a business plan (a big business plan is a red flag to sophisticated investors that would rather have seen you spend your valuable time elsewhere advancing the business). Create a business canvas, an executive summary and a pitch deck that articulates your business opportunity and the passion of the team behind it. Build your reputation by producing content demonstrating your knowledge of your industry. Use digital media tools like LinkedIn, Twitter, Gust and AngelList. People Invest in People! Cheers ~ Patrick E. Donohue @DealPen