You are a wonderful writer, but we will always be our own worst critics - I think that's just human nature. You need a refresh, a break, and get yourself into a routine of doing a little bit each day. Even if the creative bug isn't biting, write anyway - a snippet of a story here, a notation or idea there, and soon the fear of not being able to write will ease.

I know this doesn't sound good, coming from someone who got over a, what, six-month creative slump? But the daily routine stuff? It's definitely helping me. Even if I'm not getting stupendous things out, I'm at least putting paper to pencil (or wacom tablet pen to virtual painter) and making a line, instead of trying to get over the fear of not being able to make a line.

There are also a lot of organizations out there to help people like you who want to start up small businesses - I would check with your network of friends/family to see if they know anyone first, or see if they would want to be a partner in financing you.