Business acquisition

An opportunity has come up to purchase a fully operational franchise. I would need 10% down then could finance through the corporate options. The issue I'm facing is the 10% down I can't get a personal loan for that large of an amount. I called a few banks one bank will only finance 10% of the previous years tax return earnings which isn't enough for the evaluation price to sell. Any insight on how to navigate this purchase or is this going to be a missed opportunity?