Typically, you will not attract investors if all you have is an idea and no money, unless you have friends or family who have some money that they are willing to risk on your behalf. If you’re not in a position to risk your own money, outside investors will not even consider helping you to capitalize your business.
Don’t expect the SBA to help you with 100% financing either. It doesn’t work that way, and don’t believe the guy who sells the books about all the free government money- it doesn’t work that way either.
Even with a good idea, it still takes money to make money. What have you done to determine what it would cost to start-up this new business? Have you done even a preliminary business plan? Do you have anything to back up your assertion that your idea is "a lot better" than Cinnabon or Cold Stone Creamery?
The bottom line is that without your own capital to risk and a solid business plan, outside investors will have no interest in your idea. Your best bet is to have a rich uncle who’s willing to throw some money down a hole. I’m not saying it absolutely can’t be done, but the odds are strongly against you that you’ll ever get your idea off the ground. Chances are you can’t protect your idea or visioned concept, and without any money, you’re up against it. "Good ideas" go unfulfilled all the time.
You should first put your idea down on paper with as much detail as you can possible add, including costs related to it and expected revenues from it.
Next, get a lawyer to draw you up a disclosure document, so that you can discuss your idea with others.
Next, approach a locally-owned existing business about incorporating your idea into their current offerings, with a written understanding of your rights and their rights if the idea actually works.
If you can find someone who will give your idea a try, don’t sit back and wait to see if they can make it successful. Jump in and drive. Don’t be a passenger.
Take copious notes during the process. Take what you learn and convert it into a business plan.
Good luck! You’ve got a difficult, frustrating, and wonderful trip ahead of you.