If you have a manuscript good enough to be accepted by a real publishing company, you won't need any money. That's why you should focus on writing a great, correctly-formatted manuscript first.
With the turning a fanfic into an original novel thing, unless you wrote the fanfic as a total AU to begin with, it's probably going to require rewriting. That's what I've found with my stuff, at least. But that's not a bad thing; rewriting gives you a chance to improve the story. It's just time-consuming and usually not as inspiring as writing the story the first time around.