Good advice,
You need to do some research. The food industry it very very hard to break into. You competition is spending millions of dollars and some will have national recognition. Make sure you know the negatives because most people only think of the positive and early on the negative seem to compile.
Also getting a loan is going to be damn near impossible. If you think you have a really good idea for a business and you think it will work then write out a proposal. If its good enough it will pass the test from other business owners and then you can search for investments. But keep in mind that industry is very very difficult to get into. If you have never worked in that industry then you may want to try to get a job to get some experience. Potential investors will not give you anything if you have no experience.
You have to have a niche. Without one in that industry you have very little chance at seeing a return on your money. I have been working for myself on the side for years. At some points I don't have to have another job and at other times I have made plenty.
I work in entertainment, I manage a local recording artist and at one point I had 7 artists. And I would say that having a good business can be extremely rewarding, but it can also be extremely damaging.
So
1. research and know your industry
2. Get hard facts and write a proposal
3. Get people who have experience in that field to look over your proposal and be willing to take their criticism
4. Make a plan and stick as closely to it as you can
5. Be ready to have to work harder and longer than you ever have.
Advice with my experience in that industry:
You also need to keep in mind why so many places are closed at 3 AM. It is not cost effective. The majority of people are already sleeping and the few things that can happen on college campuses will not support a full grown business.
Now maybe if you only focused on delivering for places that were already open, you could dodge the overhead, put that cost on other people, and you could reap the benefits of being one of the very few drivers on the road who will deliver that late. Another problem is that it is also a dangerous job in atlanta, because delivery people are targeted for $.
Those are a few things that I am positive you are going to hear.
I would recommend against, spending a bunch of your own money, buying a location, sourcing a store, and committing to equipment or resources, until you are positive that the investments will return. If you can prove that the business will make money, other people will take the risk at investment and you can still own your company. If you lose money, it will be there's not yours and typically (depending on your investor agreement) you don't have to pay them back if the company does not work.
but good luck. dont take this lightly it is a ton of work.