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To invest in a startup, you need to be an accredited investor, defined here [http://goo.gl/aoKtaz].

I've taken friends and family money as notes for multiple ventures. Most weren't accredited investors and my lawyers assured me it was just fine.

The OP suggested in another comment that he's looking to join as co-founder, and participate in the work load evenly.

I believe that a co-founder can contribute financially to a company without having to comply with the SEC rule.