Patent law is the ONLY specialized branch of law. A patent may be 'assigned' to anyone, and often is paid for and assigned to the distributor. Check with your potential major customers to see if they might be willing to do something like this for you. It is better to manufacture an unpatented gizzmo than to let lack of a patent halt you in your tracks. For the broke amoung you, look to family and friends for needed financing.
Banks are reluctant to loan unless they see a sure return of their money.
Sacrifice will be neccessary. Those close and dependant upon you may suffer along with you. Misery loves company. You will not be able to convince any one with just an idea. You must show your product in a final form before you can get orders.