New business needing commercial office - mortgage eligibility?

[Mohammed Azam]

Hello, I am starting a used car business and will need a car lot with a building first before my state (Pennsylvania) will grant the dealership license.  Therefore I do not have the minimum 2 year established business history which some loans that offer a low down payment may require.  I know I can mortgage the property under my personal name with 25%+ down payment but I want to keep the down payment down so I have more funds to operate my business.  Any suggestions on what type of loan I can do with less down payment?  Thanks in advance for your suggestions.