30 Years of Stories ... and We're Just Getting Started
Northern Initiatives customers span the state; there’s no doubt one in your community, maybe even in your block. We love telling their stories – and having them help us tell ours. Watch the video!
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
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. We even have interest-free loans for UPPCO customers working on energy efficiency projects.
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.
Given in small
Total jobs created and retained by our small business loans
Of our 2022 customers were startups
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.