Access to Capital

Access to capital is a major barrier to starting a small business.


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Because it is more risky to provide start-up loans, this type of financing is typically not available through traditional banks. Entrepreneurs often turn to high interest credit cards, family and friends, and/or depletion of their own resources.


However, Northern Initiatives’ mission is a bit different; we love providing start-up funding to businesses with solid market potential that are led by passionate entrepreneurs.


Check out some of our success stories. These are stories about people like you, entrepreneurs with a dream and willingness to work hard for it.


Not only do we provide access to capital, our small business services provide access to powerful tools, training, and resources to help you meet the everyday challenges of running your business.  We want you to succeed and we help you do it.


Do you need capital to start — or grow — your small business?
You can begin the application process today. Start by completing our new, surprisingly easy online introduction form:



You’ll answer some basic questions including:

  • Your location – are you in our service area? We provide small business loans to Michigan and bordering Wisconsin
  • Your contact information and website address
  • Time in business
  • Requested loan amount
  • Your business description and reason for the loan request
  • How you heard about Northern Initiatives


Within two business days, a member of the Northern Initiatives team will connect with you to discuss eligibility and next steps.


Accessing the capital to launch — or grow — your small business just got a lot easier!

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