Aeronavigant
Firstly, a word of caution. There have been quite a few scams involving prospective pilots paying for type ratings to be employed by mythical companies. I would suggest checking with a BALPA and/or the IPA before you open ypur cheque book. I was approached by just such a con artist in the early 90's and thankfully I smelt a rat and steered well clear of him. The training itself was genuine but the supposed contacts with the airlines were false. The last thing I heard was that the police were going to investigate him.
Secondly, even in these tough times I feel most reputable employers will pay for the type rating and then bond you afterwards. My first job was with a low cost start up airline and that was exactly what they did. Likewise a friend of mine who qualified two years ago. I think for an already qualified line pilot it may make sense to pay for a type rating eg. as did some ex Dan Air and Air Europe pilots did. However, if you are looking for that elusive first job I suggest that you don't pay for a rating but if you do, the best of luck!
BBK