We are not interested in the diplomas you have! However practical experience, especially in the line of business you want to start is essential. Without practical experience, the chances of success are very small.
In addition, you cannot start a business without any capital of yourself. This might be a small amount of capital, for example, in the form of (saved) money and/or property already acquired over the years. And you must be willing to invest that in your business. Without that, third parties, such as banks, will not have any interest in your plans.
Starting your own company is not something to take lightly. It will cost you a lot of time and energy. To transform your idea into good plans and later into a viable business takes one to two years. A proper preparation can help to speed up this process. However, it is absolutely essential that you make a complete commitment to the process during this period right from the beginning.