A nice lady at the banking institution I use advised me to keep my business balance low (less than 6 figures)--I do. Stay under the radar as much as possible.
We closed down the business in ‘89 NOT JUST because of the government assault on our piggy bank, but also they of a sudden decided they needed to regulate harmless chemical products we used miniscule amounts of to create what it was we built, and sold. NOT ONLY did they decide to regulate these small viles of product, but began charging us a fee for their regulation of said products as well.
We decided to “H” with the business as it wasn’t worth the effort anymore. All the enjoyment of owning ones own small business venture (it was truly a “Mom & Pop entity) was regulated, and fee’d away.