Ray I'm sorry for what must have seemed like a thread hijack. I was generalising and didn't get the impression at all that you were in it for a quick buck- I can tell from your posts you take it seriously.
With limited investment capital I have always prefered business to business dealings, rather than business to private customer. In other words setting up deals, agencies that sort of thing. Why? Because it takes effort to sell, and if you are going to take the effort to sell, at least focus on selling to those with money or businesses that need your service.
From that point raising further capital to expand into the "realer" world is easier- bank loans, investors, contacts etc. Not easy- but easier if you have an established record.
But the point is this- running a business means you need to get out there and make deals- talk to people and be proactive. It means planning, and going to people not waiting for them to find you. Imagine an estate agent who only sold properties on the net- they could wait a long time to get a sale. Use the net to support, not create.
I don't know what your business is but I'd be happy to offer you some ideas- but when was the last time you got on the phone or went face to face with people to create deals, build rapport etc?