Northern Initiatives Prosperity. Money and Know How

COVID-19 Resources for Small Businesses

Our Approach and Resources to COVID-19

Our daily lives have been drastically altered. We are concerned for our loved ones, our community, our customers, our financial and physical health. We understand you are as well.

Northern Initiatives is open, operating virtually, and focused on ways to help your small business move through this crisis.

For Current Customers

If you’re currently one of our loan clients, we’re prepared to revise your Northern Initiatives loan agreement. If you haven’t already connected with your lender or coach to discuss how we can help you with loan payments, additional financing needs, or strategies to help you navigate these evolving changes including ways to communicate with your customers and to diversify revenue offerings –  we encourage you to do so.


View Northern Initiatives Staff Directory >


If You’re Not Currently a Northern Initiatives Customer

Northern Initiatives still offers our existing business lending and coaching services to small businesses throughout Michigan. We encourage you to explore what sets us apart from other lending sources and learn more about our business services
If we feel like a good fit for your needs you can start the application process online.


Lastly, we want to remind all business owners that financing needs vary greatly – especially in uncertain times like these. With that in mind, we strongly encourage you to be careful and deliberate when considering additional debt.


These are unique times, with a wide variety of options available to business owners. We encourage you to explore all options. Be mindful of those that appear to have quick turnaround times and great terms, especially those tied to daily sales.



Initiate Logo

Several new resources, specific to adapting your business practices in response to the impacts of COVID-19, are not available on Initiate.  We encourage you to explore them.



Federal and State Resources

We encourage you to explore all options available to help your small business. Because these opportunities are evolving rapidly it is best you confirm details directly with the sponsoring agency.


Applying for an SBA Economic Injury Disaster Loan

Small businesses are now eligible for the SBA’s Economic Injury Disaster Loan Program and can apply online.


You can complete your application online or you may mail it in.


Here’s a list of documents you’ll need to complete the application: Forms to Fill Out FIRST



The national call center is staffed seven days a week. Call them at 1-800-659-2955 (TTY/TDD: 1-800-877-8339) or email them at


For more on SBA programs for the coronavirus, please visit



Small Business Development Centers are local offices sponsored by the SBA to help small businesses. While the SBA has provided its own resources, SBDCs including Michigan’s SBDC are also offering extensive help to small businesses throughout Michigan.



The Michigan Department of Labor and Economic Opportunity provides up to date information for employees and employers  on unemployment programs.


This article shares key information on applying for Michigan Unemployment Benefits during the coronavirus crisis.


Workplace Guidance

As new guidelines and recommendations become available for businesses, it is important to stay informed. The Centers for Disease Control and Prevention (CDC) have provided a detailed overview of the coronavirus disease, guidance for adapting your workplace to help control the spread while maintaining operations, and tips for managing employees during this time.


For current guidance details, visit the CDC’s Interim Guidance for Businesses and Employers resource.


Stay safe. Be well. Together we will get through this.