The first contact is the wrong time for a detailed discussion of what the seller is willing to do for you. Keep the discussion general in this early stage. At the same time, you must realize that you will probably need seller financing. Banks are not likely to lend to buyer prospects without specific and relevant business experience. This is true for most small businesses where the bank anticipates that the owner must also be the manager.
Experienced buyers can get bank loans.
Most first-time business buyers need seller financing. Sellers are much more likely to finance buyers they like, regardless of experience. But, it can take time for sellers to warm-up to this idea and to a particular buyer prospect. Ask why the seller is selling only after you have a comfortable conversation going. Get as much of the seller's or broker's confidence as you can before you ask this question.