apr on seller finanancing

[investopediafreak]

How high (please guesstimate) would I have to set the APR on the financing I get from a seller of an established 250,000 dollar business, if I want nearly 100 percent financing.... and have had only two years experience (as a manager) in the restaurant industry.
I am willing to set it as high as it can possibly go, almost all of the earnings to go back to the seller, because I am trying to set up a track record for myself of being a businessman who can improve the net profit of a business (I want to start a hedge fund based off this track record).

I have been told that it is unlikely that a seller will offer me 100 percent financing...
HOWEVER, I find it hard to believe that any business seller would give up the opportunity to receives like 25 percent interest on a loan he gives out on his established business.

[DerekS]

The rate is usually determined by your risk level. When the seller holds paper, they don't typically underwrite in the same mechanical way that a bank would underwrite (with complex software evaluations, etc.)

That being said, 25% interest means nothing if you can't deliver payments. You don't want to come off as too needy, or willing to accept unrealistic terms for yourself just to get the deal through. Sellers can smell warning signs like that.

Is there any way you can put cash down to lower the LTV?