I have this WONDERFUL idea for a veg café and I *know* it will be successful ... I don't even SPECULATE that it will be successful because I just *know* it will be. But! I have NO idea how to get started and when I called the bank, they told me that I'd have to have 20% down. Has anyone else ever done anything like this and how did you get started? Did you really have to have 20% down? That's a LOT of cash!