Being "financially qualified" for buying commercial property simply means you will need at least 25% to put down on the purchase!  Commercial property is not like obtaining a home loan.  Simply put, it's a Risk loan for financial institutions.  Sure, you may find an aggressive bank that may let you slide with less down.  However, keep in mind they will look at the property as a whole including you, the buyer.  This means they will assess what the property is worth today.  This mainly includes land, structures and location, which attributes to land value, and the history of profit.  To most banks, inventory is something that's hard to appraise even though it will be required and included in the sales contract.

Another buying option you may encounter is property being sold with owner financing.  Owner financing may or may not be a good deal depending on what rate they are willing to charge and the duration of the loan.  Regardless of that, they will require a down payment as well.  For reference, most financial institutions will allow up to a 15 year amortization and usually will balloon after 2 years and every 2 years for a maximum of 6.  There are banks that will lock you in at a fixed rate for the duration of the loan.  Usually, these rates are always higher than the common balloon.  The rule of thumb used by most banks, even though they won't admit to it, is the better YOUR credit rating, the lower your interest rate.

There are many loan options and even more financial institutions to choose from.  Obtaining a commercial loan can be a headache, but a big leap towards quickly closing the deal.  Not to discourage you, but if you cannot attain the down payment requirement of 20-25%, with funds left over for improvements, bills, inventory, etc., you probably need to pass on that particular property.

You must know and realize your limitations and be sure to obtain a copy of the profit and loss statements from the current owners.  Then you will be able to determine if you can feasibly afford that property.  Unless you know the industry well and have experience reading through profit and loss statements and balance sheets, it is highly advised to seek the assistance of a Certified Public Accountant (CPA) for professional advice.