Do I need an MVP?

So I have been pulling my hair out as I have been looking for a technical co-founder to assist in building an MVP, but do I need one for an investor?

I understand the importance of an MVP for a tangible item or even an app that is offers a different take on a service that is already available. Mine is neither.

My startup would be a service, but a service that is not offered by anyone. The website would just be where the business is taken care of, think of a banking website, all banks have one and they are all pretty much the same. To be clear, I am not in banking and I am trying to word everything so it does not appear that I am trying to promote something.

So to be clear, as far as I am concerned the UI/App/Website is not the idea, so would a MVP really be needed at this time?