How do I structure the acquisition of a company in a way that satisfies both the lender and the seller?

I found a company whose owner is willing to sell for 4X EBITDA. He is planning to retire in a few years. I also found a lender willing to lend 4X EBITDA. So you’d think that’s that. However, the lender then said his organization has a rule against financing 100% of the purchase price. It wants a 25% equity component. So I determined the seller was willing to reinvest 25% of the purchase price to have a 25% stake in the new entity I will create to buy the assets of his company. So that would seem to address the lender’s concerns. However, there are still two issues: 1) I am afraid the lender will not like the fact that the equity is coming entirely from the seller; and 2) If the seller finds out that he’s putting up all of the equity, he will demand all of the profits instead of…