Yea, forget about it.
There are already business consultants, financial planners, etc for structuring/organizing/conducting a business. Big companies will always go with someone with experience, someone with a solid track record of making a company more successful. Small companies will be unwilling to listen because they don't like someone telling them how to run their business. You might be able to convince a rapidly growing small business to listen to you, but it's unlikely.
Some other things to consider...
- What is there to stop a company from just taking your idea and using it as their own? You have no experience, so they'll want to know your idea upfront. You can't just tell people/businesses what to do. They have CEO/CCO/CFO's who do that kind of thing (assuming it's a public company).
- Do you have the time and capital to fly anywhere in the US to meet perspective business owners? You'll have to goto them and convince them to 'buy your product'.
- Do you have the knowledge to give business advice? If you don't know the difference between a LLC, incorporated (or a corporated), and a trusted partnership and the pros/cons of each then I'd say no.
I'm not trying to crush your idea, but it's just reality.