You'll have to work for awhile for an employer to get on your feet. If you don't have any job experience or Serious degrees, no way a bank is goign to give you the funds for a shop because its too high risk.
I work in IT as a network admin, and I do programming/scripting for the network as well. Myself I prefer working for a company.. less risk, and far less BS involved (don't have to worry about getting xyz contracts a month or no food!). I'm also not much of a people person (yeah yeah I know, hard to believe right!

coughcough) so I'm DEFINATELY out because of that
Get your feet wet, get some experience then try to work your capital up to where a bank maybe able to consider you. IT IS TOUGH right now because of all the people that were flocking to IT jobs pre-bubbleburst are now scavenging for any job available.. makes it difficult for people just getting into the field.
Most important...
Confidence without a bit of confidence that you CAN do the job (no you won't "try" to do the job).
NEVER say "I can't do it" .. if you don't know how ASK, find out.. google knows all
Good luck