Your GPA, age and industry (IT) collectively work against you. Each one in isolation won't kill you, but you simply have too many strikes against you. I recognize that your IT experience may have been entrepreneurial, but HBS and Stanford simply aren't jazzed about IT.
Although schools claim they like risk-takers, in reality they really don't. They really prefer blue chip types but will "encourage anyone to apply". There is a token diversity at play here -- you'll hear about the Buddhist monk, the pottery maker, and the Uzbekistani sheep herder in school, but the bread-and-butter kids are those who come from good schools, and who have spent some time at a well-established firm that is "hard to get hired into". Schools like HBS aren't full of superstars, but a large chunk of the class are from a very specific and dare I say narrow segment.
I'm not going to tell you not to apply - but just know that your chances at some schools are better than others. If you apply to HBS, just know that it's a hail mary (but like any football hail mary, it *can* happen).