Hi Tom,
Are you familiar with the "Lean Startup" concept? Basically, it's the idea that you can start a business on a tight budget reducing most of the startup process to intellectual property. I will explain;
In order to start a bakery, you need baking skills, equipment, a store, advertising, staff, operating capital and so on. Of all those things, you have at the very least, the skills because you have done this for 30 years. What I am suggesting is that if you try to raise the money to get all the other pieces of the puzzle and you can't, consider other ways to get those missing pieces.
For instance, maybe baking your goods at a school kitchen, sell by partnering with stores and restaurants, advertise through social media, press releases, free press and so on and bringing on partners (or employees who get compensated based on shares in the business) with the required skills.
I mean, raising money is tough thing. Me and my team have successfully raised some money but it was mostly through friends and family. That's the logical place to start. Your own pocket, your own credit (credit cards if you want to take a huge risk because you believe in yourself), your friends and family that believe in you might be where to start.
Good look with everything.
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