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This book presents four scientific studies that explore the implications of financial constraints at different stages of the firm s life cycle.§The first study focuses on the financial challenges to the nascent entrepreneur someone who is planning to, or has just started their business. The second study asks: Do all who patent, do it for money? Who patents apart from nascent entrepreneurs? The next chapter looks at the firm life cycle in the second stage. This is the stage when other factors, such a location, become important for SME growth. The concluding chapter considers the implications of start-up financing for economic growth and development. §This book shows that the present crisis may provide innovators an opportunity to present the true value of their innovation to pursue their dreams of starting a firm. Local communities do matter and must not be forgotten as they provide cushion for most of our SMEs. Developing countries must make their institutions efficient to follow the development pattern fuelled by innovation.