Northern Initiatives

Northern Initiatives, a Community Development Financial Institution, delivers loans and business services to small business owners and entrepreneurs who create jobs and enable the people and communities of Northern Michigan to thrive.

Being mission-driven sets us apart from traditional lending institutions. We realize the success of the businesses we serve directly impacts the viability of Michigan communities and its people. So we push a little harder and care a bit more, because it's not profit for us, it's prosperity for all.