Ask a Business Lawyer. Get Business Law Questions Answered ASAP.
There are a couple of approaches. You can solicit investment from investors but they would expect ownership. You could apply for a business loan with a bank or line of credit. You could use your own assets of collateral or offer to pay certain royalties as collateral.
No, getting business permits is not that difficult. I think you would be better served contacting investors or existing software companies. I have not seen banks be that involved in the operation of a business so I do not recommend that as an approach.
I am going to opt out so that one of our IP experts can possibly help.