Northern Initiatives Prosperity. Money and Know How

To start, tell us more about you and your business. It will help us determine your eligibility for a loan. For PPP loans, please note we are only doing first-time PPP loans at this time. When filling out the inquiry, please type “PPP” in the Additional Information comments box.

Are you at least 18 years of age?

Thank you for your interest in our small business loans. Based on your answer, at this time you do not qualify for a loan with Northern Initiatives.

Is your business in one of these industries?

  • Casino or other business whose primary revenue is from gambling activity
  • Adult Entertainment
  • Marijuana

Thank you for your interest in our small business loans. Based on your answer, you do not qualify for a loan as Northern Initiatives does not lend to these industries.

Is your business located in Michigan or any of these Wisconsin Counties (Iron, Vilas, Forest, Florence, and Marinette)?

Thank you for your interest in our small business loans. Based on your answer, at this time you do not qualify for a loan with Northern Initiatives.


To find Community Development Financial Institutions, similar to Northern Initiatives, that provide small business loans in your area visit: https://ofn.org/cdfi-locator

Are all of the following statements true?

  • I have not filed bankruptcy in the last 2 years.
  • I am not past due on child support payments.
  • I am current on all tax obligations or I have an approved workout repayment plan with the taxing authority.

Thank you for taking the time to answer these questions. Based on your answer, at this time you do not qualify for a loan with Northern Initiatives. We invite you to apply again once these payment obligations have been met.

As part of the loan application process, I am prepared to provide all of the following documents when requested:

  • Business Plan including financial projections – required for a loan to a business that is less than 2 years in operation
  • Copy of Driver’s License, front and back, for each owner/guarantor
  • Personal Federal Income Tax Returns for the last 2 years for each owner/guarantor
  • Business Federal Income Tax Returns for last 2 years for existing businesses
  • Business Financial Statements for last 2 years and year-to-date for existing businesses
  • Business entity paperwork such as articles of incorporation or organization

Thank you for taking the time to answer these questions. Based on your answer, at this time you do not qualify for a loan with Northern Initiatives. We invite you to apply again once you are able to provide all the documentation required.

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