Do I need a finished product to apply for a patent?
No, to file a patent in the United States the idea has to be conceived and reduced to practice. From a patent standpoint conceived means that the idea has been developed to the point that someone skilled in the art could implement the invention without undue experimentation. In the US, a theoretical reduction to practice is sufficient so a working prototype is not necessary as long as sufficient research has been done such that the outcome is assured. A patent application is developed in conjunction with patent attorneys who can insure that any patent application meets at least the minimum requirements for consideration by the US Patent and Trademark Office.