Ok, this seems to be a common situation. Did you hear about the business guy who went to business school and read a book about business? Nor did I....
Since you have the ability to bake and wish to do so, with zero income. City hall has its rules and if you been around long enough they have a tendency to amend amendments when they become inconvenient. So, where does this put you, a situation that is positive I believe, do you agree? Good.
To derive income from nothing more than a talent you require customers. How does one go about seeking customers? Seek them out? Since you have the basic baking tools, solicit and deliver from your home to their business around your area a lunch order with desert, keep it basic and usually this will work especially with a corporate type enviroment.
If you have a fax, hand write in black marker a menu a few days in advance and are willing to deliver their lunches.
Since, you have taken culinary classes you have the imagination and know how to spruce up a average sounding lunch. Do not overwhelm yourself, slow, deliberate decisions will always enhance the quality of your talents.
What I am saying is this? What determines what a small business is? Opposed to five or six lunches a day a person may prepare and deliver. Pricing must be competitive and remember you will probably be more expensive than fast food but your talents will make up for that, it is not only I who would pay more for very good food. People will buy fresh large uncut loaves of bread, cookies, pastries, cakes, remember one does not need to produce large quanities to make a dollar. Understanding the value of your product and yourself will bring your venture slow success and be proactive, be sure to manage your money and charge appropriately to be profitable, do not sacrifice your profit.
Why do I think this will work, well, I am aware of someone who started this way, single mother of two, she did it out of necessity and that lead to her own bakery business.