buying established business, how to?

[investopediafreak]

How can i get a loan to buy an existing established small business/ restaurant which is selling for 250,000?
I am 20 years old, just out of college, and have been a general manager at a small restaurant for a couple of years. I am looking to get 100 percent financing(or at least two thirds) from the seller, and am willing to give the seller a 15-20 percent APR financing.

Basically, will my lack of money down be compensated by the fact that the business is already existing ("it's turn-key") and the fact that I am willing to offer an APY of 20 percent.

please help!!!!