Providing Loans and Business Expertise to Start-up and Existing Businesses


Northern Initiatives is a non-profit CDFI that provides loans to small business owners and entrepreneurs in Northern Michigan that might not qualify for loans from traditional banks for a variety of reasons.

Providing Loans and Business Expertise to Start-up and Existing Businesses


Northern Initiatives is a non-profit CDFI that provides loans to small business owners and entrepreneurs in Northern Michigan that might not qualify for loans from traditional banks for a variety of reasons.

Apply For Your Business Loan Today

Start the application process here today. We will confirm your eligibility within two business days.


Each one of our loans comes with access to business services which includes a suite of practical trainings, tools, and resources on topics that matter to every business owner: Money, Marketing, and Management.

Money and know-how. Every business owner needs both.