To be straight foward, the question is how to advance after the research, creating and prototyping. The next steps requiere money and some expertise which are not easy to have nor find
I've created a SaaS company and mobile app had the same issue as you. I'm telling you that it's not impossible.
However, what I experienced is that some investors want an MVP and some don't. The most important thing is that you know there is a market out there that is willing to buy your product/service.
So what we did was talk to as many people as possible about our project and created partnerships with large companies who also wanted to be integrated into our platform.
There are websites that you can create an MVP yourself also which you don't need coding experience for such as Bubble.io. Websites like this can help you create at least a demo product that will allow you to show to your investors what your vision is.
If you want to speak further, I'd be happy to setup a call with you.