Why would a bank loan any money on a contract that could be cancelled any time the other party wanted with no recovery? Fedex put that in the contract. In other contracts, such as with the federal government, you get paid a set amount guaranteed by the contract, and as long as you perform, you get paid.
With fedex, you could perform, and still see the contract cancelled after 1 year or even less if fedex unilaterally decides to change their model. How many single route owners have already lost their 'business' when fedex went from IC to ISP, even though they had performed for many years and loved what they were doing?
Sure, they'll loan a small amount for a short period, but fedex doesn't pay enough to be able to repay the ridiculous prices being sought in a short time. And do you really want to risk your family's well-being and security by using your home to get the money? If a bank can't put a value on an ISP contract, it has no value in the real world.