What country are you in now for you to talk like that so many people here in our country are losing their job and their business and there's no bank here that will give us loans,, it's actually the opposite on what's happening in many countries.
You must be dreaming no banks will give you a loan and forget it, that bank is not existing, banks are profit driven company the moment they gave you a loan the interest will start to generate you can never default a loan on a bank.
If you have a decent enough collateral, then the banks will give you a loan. The interest rates may be high (and may go up even higher as inflation is expected to rise in the coming years). On the other hand, if you don't have a good collateral, and in case you are unemployed currently, then there is hardly any chance of getting a loan sanctioned by the bank officials.