I totally agree with Stan B's advice. You just got about $500 worth of advice form his e-mail. Your library is not going to be a scam (and it is free). Extremely great advice here. I wanted you to also know that in my local area - there is a teenage girl who developed and runs a web-site that gets more hits than Oprah's web-site. She started this when she was 14 and now she is 17. Google (among others) have offered her over $4 million to purchase her web-site and then pay her $2 million a year to run it. She has refused. I read that she is clearing around $1.7 million a year just from this one web-site. So like Stan said - age is irrelevant.
The banks and/or investor(s) just want to make sure they get their money back with interest. So, be professional about this (this is not a critical comment but something that you should note - your e-mail is filled with grammar & punctuation mistakes - that will definitely not work in trying to secure business financing). If you want to be in business, you will have to be professional about this. You have adult responsibilities with a family already. Ring, ring - this is reality calling - you have to be the parent (for the rest of your life). Providing for your family is a large portion of that. You are the man here. Start by being the best provider - work your job (do two if you have to) - study (work your business) and let your business plan tell the story. Bankers & investors love the numbers. They want the passion but they want that immediately followed by the numbers. Be a professional here and it will pay off plenty in the end.
And before you go to the library - I just want you to know the God's honest truth here - this will not be easy for you. It most likely is not easy for anyone. But if you want it, I know (or so I have been told) that hard work has never killed anyone. So if it is hard work - work hard at it. If a 14 year old girl can develop a multi-million dollar web-site, I know you can develop a line of clothing.
I hope this helps, God Bless, Ed R.
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