That's way too risky a game for banks. Banks want to put in $1 and be pretty much assured of getting $1.10 back next year.
If you go to a bank and ask for a business loan, they'll say, "Great! Let's see the last few years of your financial statements." If you say you don't have any because you haven't actually started your business yet, they will look at you funny and tell you to come back in a few years.
That's as it should be. We citizens guarantee that banks will always pay back depositor money. So they should only be allowed to make pretty safe loans.
