I share your sentiment, trying to productize your services.
Bootstrapping is the word that is normally used ... thus:
1. teaming to share profit/ barter trade
2. consider crowdfund as an option
3. digitize coaching as a franchising model - with technical partners' help
4. integrate current reputable apps with very low costs to instantly uplift the service quality and automate major activities.

Actually, this is what I am doing currently. Hope the above helps.