Man, if someone gave me five million dollars, I could put it into dividend paying stocks and be making a couple hundred thousand a year too.
What I recommend doing is:
Stop acting like your idea is "the next big thing." Even if you truly believe that, we've ALL had those ideas, and it's not very believable.
Get a realistic (not requiring five million dollars) business plan. Detail exactly what you're going to do, where you're going to do it, who you're going to do it for, why there's a market for it, etc. If you're worried about people stealing your "amazing idea" only send that to lenders, and make them agree to an NDA.
Get a real product to show people. If I can touch and see this world changing concept, I'd be much more likely to invest.
The last thing is: People who have great ideas, and have the drive to accomplish them, generally do, and they don't do it by asking for five or six million in capital. They run businesses out of their house, rent a small office, sell things out of their car. Almost anyone can be successful if handed enough money -- the trick to being an entrepreneur is being able to start and run a business with almost no capital, no employees, and no sleep.
This isn't me giving someone else's investment to somebody else to make me money. This is me getting an investment and controlling completely where the money goes and how much will be made back. I'm talking hundreds of thousands in the first year, millions after that. Don't expect the stock market to make you wealthy.
I don't think my idea is the next best thing, it's not anything new but the numbers work out and that's all that matters in the end.
My business plan doesn't require 5 million, as I stated, I could start pretty well with 5k. If someone were to be generous enough to loan that amount, I would just be more generous back when I'm repaying them. It's a win-win situation.
I prefer not to deal with institutionalized banks. There will be real products, world changing? Perhaps, but still, nothing new.
I have the drive to accomplish what I have planned, I lack the capital however. Yes, I can make the capital over a few years, or I can work with somebody and get more done sooner, I don't see anything wrong with the former.
On a side note, the amount of business ideas that I've had throughout my lifetime would be enough to support a small town. If there is a way, which there is, I will find it, which I have.