Northern Initiatives is a Community Development Financial Institution. We’re in business to provide loans and business services to small business owners and entrepreneurs who create jobs and enable the communities of Northern rural Michigan and neighboring Wisconsin to thrive. Being mission-driven sets us apart, positioning us to enhance offerings of traditional lending institutions. Our loan programs and special business services empower our organization to more aggressively find funding for business owners and entrepreneurs whose ideas and dreams benefit our communities. Northern Initiatives is an equal opportunity lender, provider, and employer.