Technically, there are no rules about what kind of education you need, but a bank might be more likely to give you a loan if you have some type of business background (meaning experience, education, etc.) and experience with the type of animals you’re going to be selling. I think it makes you less of a financial risk to them, because those things make you more likely to succeed.
I think it would be quite expensive, though, multiply the cost of caring for one animal by however many you’d have in your shop at a time, because there’s no guarantee that they will sell quickly! Plus you have to pay for rent, utilities, advertising, inventory, and your own personal bills. Most business owners don’t expect to turn a profit in the first 5 years. Which means you have to be financially able to take a loss for the first 5 years.
Also, pet shops don’t really have a good reputation for providing quality, well-cared for animals, so you’d have to work hard to overcome that perception in order for your shop to do well.