I have an idea for a mobile app and will need to get a loan or grant as I don't have any funds. Does anyone have any experience in a similar venture and would be willing to offer some info/advice?! If you could not bother asking what the idea is I would be grateful cause I won't be telling.
Essentially you are saying the same as pre-internet days: "I have a great business idea and I just need someone to back me."
Which is all very well, it may be a great business idea, but you are going to have to get your eggs in a basket before anyone (government, bank or private investment) is going to do anything for you.
These are some of the many questions you should be prepared to answer:
Do you have a business plan?
Have you researched this niche and seen if there is anything similar around?
Are you encroaching on anyone's intellectual property?
What is your evidence that there is a demand for this app?
What is your 'moat'? (In other words, what is to stop some vibe coder copying your idea one day after you put it out there?
(I'm retired self-employed in an internet-related branch.)