You can get free mentoring from
SCORE, which is affiliated with the SBA. A mentor can help you develop & clarify your business plan. (this only applies if you're in the USA)
You may also want to read up on bootstrapping, which means starting your business with minimal capital. Try searching for articles on bootstrapping at
Entrepreneur.com; this is a great site for the entrepreneur. Another good resource is the blog
The Entrepreneurial Mind; a search for the term bootstrapping will return several useful articles. The
Bootstrap Network has great resources, and is an excellent place to connect with bootstrappers near you.