How would someone acquire a big, fat loan?

Maybe somewhere in the $600,000 to $1,000,000 dollar range? Does the loan company expect a 10 to 15% down payment just like home loans, or is it more complicated then that?

The example you could use, is to buy a Bar, jointly with multiple people, assuming 10 to 15% has been secured for a down payment between everyone.

Anyone here ever done this before?