As a previous owner of a franchise retail shop I can tell you that $75K is probably about right for start up costs. Of course without knowing what you plan to sell, can't say for certain. Ongoing expenses are pretty high (rent; maintenance fees; payroll; advertising; insurance; utilities; supplies; inventory; taxes, etc.). It will take some time to reach break even, much less profit.
Unless you can find somebody to partner up with who can provide the cash you'll need to bootstrap this startup. You won't get a loan without your own cash infusion, collateral, excellent credit and applicable managerial experience (as phanio noted).
Check out my blog below for a viable funding source that bridges the gap for those that can't get traditional funding. However, you still need to prove worthiness and you should have attempted to raise funds on your own. Simply asking for a handout won't cut it. You should definitely see if you qualify below.
Freelance Business Plan Writer