If one were to purchase a business with at least the SBA-required 10% initial equity injection, and some other combination of SBA + Seller Note (say, 80% SBA loan, and 10% Seller Note), would the seller note be required to sit on full standby given that the equity requirements were met? Or could payments begin being made immediately?

Any SBA experts who can share their knowledge on full standby setups or SBA loans in general would be greatly appreciated!