We Invest in Ambition

Northern Initiatives provides loans to small business owners and aspiring entrepreneurs in Michigan that might not qualify for a small business loan from traditional banks for various reasons. Northern Initiatives offers access to capital at reasonable rates to those who would never have the chance or who would have entered business undercapitalized.

Supporting Businesses that Support Communities

Business Lending

Need a small business loan, but can’t get bank financing? We can help

Our lending team looks at character and cash flow. We can help your business get off the ground or continue growing with loans from $1,000 to $500,000.

Business Support

Resources and Coaching to Help Your Business Succeed

Starting a business takes more than just money, it takes know-how. Our team is focused on providing both so your business soars. We have tools, templates, videos and individual coaching to ensure you have what you need to succeed.

$79M

Given in small
business loans

100%

Of our loan customers receive additional business support

6,000

Total jobs created and retained by our small business loans

66%

Of our 2021 customers were startups

Our Impact

Our impact is measured through the success of our businesses and their employees. We have been able to give loans to hundreds of businesses and helped businesses create thousands of jobs, but our real success is when we see businesses across our region thrive. You can help us support that vision with a gift or ongoing partnership.

Featured Success Stories

2022 Gift Guide

Small business is the best business. These entrepreneurs support their families and their communities and we're proud to support them.     FOR SOMEONE WHO…
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Applecore General Store

Cedarville, Michigan
Activity comes in waves in the Les Cheneaux region. There’s the summer onslaught, because who wouldn’t want to spend time in an area surrounded by…
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Aspidistra Naturals

Battle Creek, Michigan
Lori Olsen is delighted with one benefit of owning a business – the jump in her confidence. “I’m doing things I never thought I’d do,”…
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Smith Truck Body

Rosebush, Michigan
Curtis Smith is sure of one thing: There will always be garbage. Smith has worked nearly a decade in waste hauling and recycling. He opened…
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Blossom Bird Bubble Tea

Marquette, Michigan
Kaila and Daniel Ball, newly married during the pandemic, had dreams of something fresh, away from metro Detroit. “We had plans to move to Oregon,”…
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