Funding a small start-up business is one of the most difficult hurdles a new business owner faces. At this point the financing options are limited. Usually either the 4 F's (Founder, Family, Friends & Fools) or SBIR/STTR money is the only way to fund a very early development effort. Since there is a limit on the amount of funding available from the 4 F's, the SBIR program was designed to help American companies get their technology funded in early stages. As a result, more and more small businesses are taking advantage of this non-dilutive source of funding. The cost of doing business with the Federal Government, however, is real, significant and many times non-compliance with regulations can spell disaster for a small business. Heck, it can be problematic for large companies too. So what is the small business owner to do?
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