We take small business owner's needs seriously - due to the unprecedented number of loan inquires we are receiving you may experience a delay in our response time. We are doing everything we can to ensure that you get a reply as quickly as possible. Thank you for your patience. When you click on Submit, you are making an inquiry for a loan from Northern Initiatives. This form is not a full loan application. Additional information and documentation will be required if your inquiry moves to the loan application stage.