Minimums are usually that - minimums ie 'don't apply until you have met the minimum'.
Most Ops manuals will have a clause that allows the CP to change the minimum requirement at his/her discretion - but don't expect any of them to do that to employ you, unfortunately.
Having said that, It's not a bad idea to establish contact with a prospective employer prior to getting the minimums. It is easier to do this with smaller companies, but companies with a bigger bureaucracy are often alot more difficult to make 'personal' contact with.
I would suggest giving a prospective employers' CP a call and try and make an appointment for a chat and to explain that you are short of their criteria, but once you meet these criteria would be interested in being considered for a position should one arise, and clarify exactly what is or may be required for you to gain a spot. It shows interest and also gives you an excuse to make appearances from time to time as you are getting closer to their requirements/your goals. Just don't expect to be employed until you have 'met the minimum requirements'.
Flight 'under the IFR' is a different animal to 'IF' time. That is, you can count time flown on an IFR plan and not have done IF during those flights. Just don't mix the two up.
Hope that makes some sense to you.
Good luck!