[bdm]

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

[650REDHAIR]

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.

[leesalminen]

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.