The Northern Great Lakes Initiatives is a business loan from Northern Great Lakes Initiatives. The ongoing APR is As low as 0% with utility interest rate buydown; as low as 8.75% without buydown. Typical credit limit: $5,000-$75,000. Loan terms: Up to 84 months. Northern Initiatives has years of experience helping small businesses, manufacturers, and contractors save energy — and money. And now we’ve partnered with Michigan Saves to help small business owners save even more money AND energy. Enjoy low-interest