SBA Question - Down Payment & Seller Note

I'm currently in a competitive situation for a business acquisition, and it appears there were numerous Letters of Intent submitted. During a recent conversation with the broker, the subject of the down payment came up. Based on the specific SBA lending partner they seem to be considering, the broker suggested a 20% down payment would likely be required. Interestingly, my own pre-approvals from three different lenders are for a 10% down payment. This is where I'm seeking some insights or advice from the community. The broker seemed to indicate that it's common practice for SBA lenders, once a file reaches the underwriting stage, to request a higher down payment percentage. Is this a typical scenario in your experience? Adding another layer, the broker also mentioned the seller's strong preference to avoid holding a seller note. Any thoughts or advice on navigating this potential discrepancy between my pre-approvals and the broker's expectations would be greatly appreciated. Specifically, understanding how frequently SBA underwriters do indeed increase the required down payment and how that might impact the seller's stance on a note would be incredibly helpful.