All depositors feel that way. Depositors wanting the opportunity to make higher returns on their money seek out the stock market and mutual funds. That is higher risk and an option you can accept or decline. The SBA Microloan Program mentioned earlier. I make no guarantees because collateral will remain an issue.
Venture capitalists take the higher risks.
Nowadays, with the decline of high tech stocks and the closing of dot-coms, VCs are more willing to consider more traditional ventures. Inventors' societies offer support services and clearly demonstrate much empathy for those encountering similar problems. For example, the noted violations of your patents will be given immediate attention in several of these organizations. Find the nearest society by reviewing the Google directory of inventor organizations . The U.S. Department of Commerce sponsors the Minority Business Development Centers , which direct their small business support services specifically to minorities.