As commercial credit experts, we understand your financial institutions credit appetite will shift with market conditions and portfolio concentrations. We have a combined 40 years of experience in commercial credit, lending and CFO experience. As your capital needs adjust through numerous cycles it is important to have a Capital Partner that listens to your needs and addresses those needs in a timely manner. Your banker must remain loyal to the financial institution they work for. Northern Michigan Commercial Capital will remain loyal to you. We are your capital partner for life.