Sorry to hear of your story, but it's a familiar one to me. I've been doing work with a couple of so-called "FinTech" start-ups. One is further along the development path than the other. It has built a great network of customers that seem reliable. But, until very recently, the business hasn't been charging for its service(s).
The other company has a great plan (i.e., there is a real need for the product), but is several months from having any revenue, let alone profit.
Both companies have reached out to numerous potential funding sources, including VCs. The consistent message that we've heard is: we don't fund companies that are pre-revenue. Sorry. Come back when you reach that point.
I know that's probably cold comfort, but at least you're not alone. In my humble opinion, I think that 2008 changed "the game" in terms of the type of business/risk that investors will consider (i.e., pre-revenue is off the table in most cases). Also, I think that several "parts" of the economy are still in a recession that may be affecting our efforts to raise funds. Lastly, the regulatory environment has negatively affected the investment climate too -- especially with banks (Basel III, etc.).