I doubt it --- it is still a credit agreement and you would need to pass the lenders credit checks. You would also need the agreement of your IP, which might be a stumbling block, even if you found a sympathetic lender.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk