There are a lot of tools designed to help "sketch" business ideas and business models. You need to be able to define and refine your ideas with a pencil and paper at the best. Other tools like Business Model Generation are great at sketching and documenting business model assumptions. I'm a huge fan of Bill Buxton's Sketching User Experiences and you can find his talks at http://www.billbuxton.com/#talk
For UI work check out:
You goal is to be able to effectively communicate your ideas, your business and the next steps.
If I understand the question correctly, you are struggling with the ability to portray your ideas in a way others would understand.
If that's right then a graphic illustrator is what you are looking for.
Good illustrators have the keen ability to creatively dissect your ideas into a "storyboard" that your audience can literally see, touch and experience.
Make sure to research their portfolios extensively before selecting an illustrator.
I work with specialists to concept and design digital products.
I recommend you learn to sketch your ideas if not wireframe them, otherwise you're handing ownership over to someone else and will need to make concessions as they infuse it with they're vision.
In lieu of that, it sounds like you're looking for a User Experience Designer. Someone that can understand your product idea and translate it into an execution. A User Experience Designer will put themselves in the shoes of your potential customer and design an experience that fulfills their needs in the form of Wireframes. Those Wireframes can be provided to a User Interface Designer or a Front-End Developer to begin building a clickable Prototype.
Let me know if that was helpful or if there are any other questions I can answer for you.