Brainstorming

Again I can't stop thinking about this business venture and the main thought is how could I make this work.

Obviously we need a business loan but is it possible for me to do something that will let me be approved for it instead of my dad? Currently my situation has left me with a loan credit score for the mere fact that my debt ratio is too high. Equifax states that my credit score is 646...lower then the average Canadian. My debt is approximately $28000 with a little less then 1/2 in credit cards. Now here's what I'm wondering...

1. How fast does it take to change my credit score if its only being affected by my debt ratio? If I had my dad consolidate my loans and put them in his name right now, would I be a good risk for a lender?
2. If I consolidate my loans and reduce the limits on my credit cards would I boost my credit score?
3. With out assets (except the business) would I be a candidate for a loan? with or with out my credit score/debt ratio?
4. Does it make more sense for me to get the loan then my dad? if so what would I have to do if I needed to move fast on it?
5. Are they expecting me to come up with 25%

Its still very dependent on what my dad wants to do but if possible I would like to be part on the loan and business purchase process. So impatient right now!