Depending on your particular scenario, you may be eligible for SBA7a, or 504 - with only 10% down. Many times you can also get 1/2 of that back at the closing table.
There may also be other options, available as well.
I can help you structure your deal, and also assist you with creating a financing request likely to be approved. You must always have some of "your own skin" in the game, as the days of "100% financing" are long gone.
There are a variety of ways of acquiring your down payment, though - depending on how creative one can get!
Then, of course - you need to know how to "season it" so that it will be acceptable. Commercial financing has many variables to it - and every deal is different. It takes years of experience to acquire the knowledge needed to employ the many various options available, and to know which would be best for any particular deal.
The ultimate in every scenario is to achieve a win/win for all involved.