text: what is the odds? what is the odds of a 19 with no credit ratting living in aus getting a small business loan to open a resturant and wot cost am i looking at ? the odds are very poor whether you are in australia or us -- unless you have something to provide the bank as collateral. a restaurant is not something that you can do for $1000 only -- you need more; and for a financial institution to give you a loan, you need to show that you are capable of repaying the loan, that you have a strong business, you have experience in the business or a strong management team will help you, you have collateral and you have the right character. banks simply want to make sure that they can get their money bank. right now, with your conditions, you are too-high risk to be provided with a loan.