From everything I've ever seen or read, I would be surprised if you could do any better than 80%. Maybe if you are somebody that a lending institution is dying to do business with, you might do better. But, traditionally commercial loans require at least 20% down. They are not like residential mortgages. Sometimes, they may require much more. Seems to me I once read that 33% to 50% is a normal range. 20% is actually pretty good. They also require a much shorter term than a residential mortgage. Don't expect to finance for 30 years. You are more likely to see a 10 or 15 year term... maybe 20 at a stretch. When financing equipment instead of real estate, expect something like 7 or 8 years to pay it back at best.
Of course, someone else may have a different perspective based on their own experiences.
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