That’s your gamble.
Paying for a rating without a job, especially with routes being slashed, could land you in a whole lot of trouble. Without hours on type (generally 500), not many airlines will take you on. But saying that, you need to be ready for the uptake. This crisis could take till the Summer to get under control, so timing is essential.
I would get hold of someone in recruitment and see how the numbers stack up before you spend.