Financial reasons will probably not cut it. They might accept reasons like taking care of a sick parent back home or something like that if you can prove it.
If you are able to get into Canada without getting reported for not meeting the residency requirements, you could stay for 2 years straight and then go ahead and apply to renew your PR card because you will meet the residency requirements again at that point.
However, if you are reported as you arrive, you will probably lose an appeal if you have no good reason in which case your chance of getting PR again would be to get a job offer and apply again from scratch. It is also possible that you can apply without a job offer depending on your occupation. You can look at the current immigration classes here: http://www.cic.gc.ca/english/immigrate/apply.asp