You’re going to need some significant skin in that game. What $ amount can you personally put up? In addition to your $, do you have any collateral? What experience do you have in running that type business? What general management and financial background do you have?

As for the business, what is the valuation based on? Does it have a 3-5 year track record of profit that supports that valuation? Any assets that can be collateralized?

And BTW, there are numerous “Bay Areas”. You’ll want to specify which bay you’re near.