I think you're best off doing some bootstrapping or prototyping first before deciding on what business to pursue, keeping startup costs in mind.
As others have said, don't expect much luck looking for a risk-free loan that let's you have your cake and eat it too unless it's from close friends or family.
If it's closer to the $10k range, start it yourself. If it's closer to the $100k range, you could try presenting to some local business organizations that offer favorable loans or apply for grants, but no logical VC is going to put out $100k for a $250k return.
As others have said, don't expect much luck looking for a risk-free loan that let's you have your cake and eat it too unless it's from close friends or family.
If it's closer to the $10k range, start it yourself. If it's closer to the $100k range, you could try presenting to some local business organizations that offer favorable loans or apply for grants, but no logical VC is going to put out $100k for a $250k return.