This is a common entrepreneurial context.
The long story short: you need to figure out product-market fit no matter what.
It's not about money, it's about digging deep into your creativity and learning the required skills if necessary to validate the following:
1) There exists a very narrow "must have" target customer segment who do have a strong interest in your product/service. You can validate that without creating a product. This is commonly known as "fake feature". Communicate the core value prop of your product with an associated action (download app, enter email to register) to validate interest.
2) If 1) does get some signal, then develop the skills to build a rapid prototype (even less than an MVP, minimum viable product in startup jargon), this doesn't necessarily cost anything, or show the results of 1) to someone who has the skills to motivate him or her to join in (based on vision validation plus some future equity of necessary). Put the rapid prototype in the hands of your core "must have segment" (remember, your super narrow customer targeting assumption, those who will not sleep at night without your solution to their unmet need). Try to get qualitative signal of a "aha moment" as your "must have" use your rapid prototype. That's the key to your sustained growth in the future.
3) If 2) confirms and better qualify the core need, iterate your product to focus in on the one element in your experience that wows your must have in such a way that none of the closest alternatives on the market can do. Scale at no cost from the aha in-product experience and some smart social engagement (need to adapt to your core product/service value, be creative).
4) As soon as you have enough scale, try to extract a quantitative product-market fit signal from your product usage. A great way to do that is to run a survey (ideally on a statistically significant base, whose magnitude varies depending on B2B or B2C context, B2B scale is generally smaller than B2C) called the product-market fit survey (check on web). If at least 40% of your surveyed assumed must have customers respond they'd feel extremely disappointed if they could no longer use your product, you are likely to gain the double digit traction that will attract the ecosystem to work with you while making the most of the hard work you put in. By ecosystem I mean, talents to join in and help scale, investors to fuel your growth and expansion vision, and other stuff.
5) If you don't achieve the desired outcome in 4) try to iterate product (if you feel you are getting there), or cheaper if you have some skills, re-position the messaging of your core value towards another segment which you believe could be your must have segment to validate product-market fit.
Hope this helps. Happy to connect to discuss further but necessity definitely is the mother of invention, innovation, and above all, true value-added entrepreneurship.
So... Keep at it!