You can get the money in a lot of ways
Crowed sourcing, like Kickstarter:
- if you are not well known, you need to be able to show case that you can do it, proof of concept, not talking pretty pictures, in game footage that you are in the game.
Check this link out for help for making a kickstarter: http://99u.com/articles/7143/kicking-ass-taking-donations-9-tips-on-funding-your-kickstarter-project
With kickstarter, be prepared to put A LOT of time into it. People I talked to who made a kickstarter tell me it's a full time job for one person, at least. And research other successful kickstarter and see what they have done.
- Angel investors, people who has a lot of money and want to invest, taking a bigger risk, but want more in return. They usually range between $50-100,000 as investment and they want around 130-150% back on their deal, a few years later of course. You could be able to find a angel investor who wants to be your mentor as well, helping you out with your idea.
- Investors: Other investors will probably take your company and your IP, better watch out what the contract says.
- Bank loan - If you have a good credit, you can take a loan without security and get the game started, sure, not as nice as investors who you could convince that you need a few more months to pay back, Banks, not going to be easy.
- Funding - In Canada and in Sweden, there is different government and companies who gives out funding, some is "free" money, you don't need to pay it back, but you need to prove that the money is going to the project. Some is they lend you the money and they ask for the money back and a bit more in return, usually around 5-15%, if I remember correctly
- Family and friend, if you really believe in it, ask your friends and family for it, they love you (I hope) and they usually support you for your first project, goes well in hand with crowed sourcing.
- As Spacejim said, you can take a part time job, you can do a programmer job, as long as it says in the contract that you can keep your IP and also work on other projects. Start making connections with other people around the industry to have them help you out, convince them that it will make profit and they will get a share. I'm thinking that you are a programmer, usually programmer don't have a strong sense of art, if you are great at art, AWESOME! Keep at it!
Think that pretty much covers everything, if you want to know more about something, please feel free to contact me =)