2025-10-28T10:26:28-04:00 2024-12-31 383133790 ANDREWS HOOPER PAVLIK PLC 2311 EAST BELTLINE AVE SE STE 200 GRAND RAPIDS MI 49546 990 2024-01-01 473130767 NORTHERN GREAT LAKES INITIATIVES NORT 9062285571 101 W WASHINGTON STREET STE 9 MARQUETTE MI 49855 ELIZABETH SANGALLI PRESIDENT/CEO 9062285571 2025-10-06 true false MAGGIE M TUCHOLSKI P01865981 6169426440 2025-10-06 2024 2025-03-06 01:10:19Z ELIZABETH SANGALLI 101 W WASHINGTON STREET SUITE 9 MARQUETTE MI 49855 11021872 false X WWW.NORTHERNINITIATIVES.ORG X 2014 MI TO ENCOURAGE, PROMOTE, AND FOSTER COMMUNITY REVITALIZATION PROJECTS AND PROGRAMS. 18 17 36 20 0 6274520 7047897 2351936 3140008 248010 610512 0 8874466 10798417 363050 711930 0 2999687 3303557 0 0 2266941 1977893 5629678 5993380 3244788 4805037 44891076 46586763 29169562 26713190 15721514 19873573 X TO ENCOURAGE, PROMOTE, AND FOSTER REVITALIZATION PROJECTS AND PROGRAMS BY OFFERING LOANS, STRATEGIC PLANNING AND OTHER SUPPORT TO ECONOMICALLY DISADVANTAGED COMMUNITIES IN THE GREAT LAKES WATERSHED REGION THAT ARE UNABLE TO ACCESS SUPPORT FROM TRADITIONAL SOURCES. BUSINESS DEVELOPMENT RESOURCES ARE AVAILABLE TO USERS OUTSIDE OF THE GREAT LAKES WATERSHED REGION. false false 2446167 2483075 FINANCE SERVICES: PROVIDED AFFORDABLE ACCESS TO CAPITAL TO RURAL AND UNDERSERVED MARKETS FROM ITS REVOLVING LOAN FUND AND ASSOCIATED GRANTS. 2585818 711930 607513 BUSINESS DEVELOPMENT SERVICES: PROVIDED CONSULTING, TRAINING, AND TECHNICAL ASSISTANCE TO BUSINESSES FOR PROCESS IMPROVEMENTS, SYSTEMS DEVELOPMENT, MARKET RESEARCH SERVICES, E-COMMERCE SERVICES, ACCOUNTING, AND MARKETING ASSISTANCE. 5031985 true true false true false false false false false false false false false false true true false true false false false false false false false false false false true true false false false true false false false false false false false false false true true false false false true 15 0 36 true false false false false false false false false false false false false X 18 17 false false false false false true false true true false true true true true true true true true true true false MI X JILL MILLER 9062285571 101 W WASHINGTON STREET STE 9 MARQUETTE MI 49855 ELIZABETH SANGALLI PRESIDENT/CE 40.00 1.00 X X 197450 0 17569 JILL MILLER CFO 40.00 1.00 X 128357 0 32970 AMANDA BLONDEAU CHIEF STRATE 40.00 X 121513 0 19235 CHARLES HURST VP OF LENDIN 40.00 1.00 X 124826 0 9614 KEVIN BOYLE TRUSTEE 0.50 X 0 0 0 NADIA BRIGHAM TRUSTEE 0.50 0.02 X 0 0 0 PETER GRAVES TRUSTEE 0.50 0.20 X 0 0 0 RON GRZYWINSKI ASSISTANT SE 0.50 X X 0 0 0 MARY HOUGHTON SECRETARY 0.50 X X 0 0 0 ALFRED JOYAL III CHAIRPERSON 0.50 0.02 X X 0 0 0 CAROL JOHNSON TRUSTEE 0.50 0.02 X 0 0 0 WES MAURER JR ASSISTANT SE 0.50 0.02 X X 0 0 0 R GAVIN LEACH TRUSTEE 0.50 X 0 0 0 CHARLES VAN LOAN TRUSTEE 0.50 X 0 0 0 KATHY MASON TREASURER 0.50 X X 0 0 0 CHANDRA MCMILLION TRUSTEE 0.50 X 0 0 0 SARA PROANO TRUSTEE 0.50 X 0 0 0 DR ERIC TRAVAN TRUSTEE 0.50 X 0 0 0 THOMAS VEAR TRUSTEE 0.50 0.02 X 0 0 0 GREG WEST TRUSTEE 0.50 X 0 0 0 MARK WILLIAMS TRUSTEE 0.50 X 0 0 0 572146 79388 4 false true false ATOMIC OBJECT LLC 1034 WEALTHY ST SE GRAND RAPIDS MI 49506 SOFTWARE DEVEL. 214693 1 5491517 1556380 7047897 LOAN INTEREST 525990 2214837 2214837 PROGRAM FEES 541900 652513 652513 LOAN FEES 525990 272658 272658 3140008 633806 633806 200161 223455 -23294 -23294 -23294 10798417 3116714 633806 X 711930 711930 651534 564355 87179 1930923 1516930 413993 131758 114123 17635 388910 336856 52054 200432 173605 26827 78921 78921 28134 23885 4249 675504 556445 119059 48641 42683 5958 143528 115709 27819 80860 75114 5746 219374 122036 97338 87997 60662 27335 348744 348744 24450 23789 661 BANK FEES 49951 21264 28687 MEMBERSHIP FEES/DUES 44889 10902 33987 FEES AND LICENSES 37193 36902 291 LOAN CLOSING FEES 35014 35014 74693 62116 12577 5993380 5031985 961395 0 7370521 540993 12270895 17315332 279835 138701 35000 22500 65873 473998 23613616 26157037 43762 58759 1211574 1879443 44891076 46586763 448384 371744 8261396 5962929 9273909 7774678 10742763 12200816 443110 403023 29169562 26713190 X 15721514 19873573 15721514 19873573 44891076 46586763 X 4805037 -652978 X false true X true true true X 3204688 3005441 5863300 6274520 7047897 25395846 3204688 3005441 5863300 6274520 7047897 25395846 5016993 20378853 41199 15382 28881 247523 633806 966791 26362637 11731804 0.77300 0.75780 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false false false false false true 24500 false false false 24500 false SCHEDULE C, PART II-B, LINE 1 LINE 1F REPRESENTS PAYMENTS TO RAPOZA FOR LOBBYING ACTIVITIES. NGLI CONTRACTS WITH RAPOZA ASSOCIATES WHO IS A PUBLIC INTEREST LOBBYING AND GOVERNMENT RELATIONS FIRM THAT SPECIALIZES IN PROVIDING COMPREHENSIVE LEGISLATIVE AND SUPPORT SERVICES TO COMMUNITY DEVELOPMENT ORGANIZATIONS, ASSOCIATIONS, AND PUBLIC AGENCIES. THE SPECIFIC AREAS OF INTEREST THAT NGLI UTILIZES RAPOZA ASSOCIATES FOR ARE THE FRIENDS OF SBA MICROLOAN PROGRAM AND THE RURAL CDC WORK PROGRAM. LEASE LIABILITY 403023 403023 X SCHEDULE D, PAGE 3, PART X NORTHERN INITIATIVES IS EXEMPT FROM FEDERAL INCOME TAXES UNDER 501(C)(3) OF THE INTERNAL REVENUE CODE. HOWEVER, INCOME FROM CERTAIN ACTIVITIES NOT DIRECTLY RELATED TO NORTHERN INITIATIVES TAX-EXEMPT PURPOSE MAY BE SUBJECT TO TAXATION AS UNRELATED BUSINESS INCOME. SINCE NORTHERN INITIATIVES IS EXEMPT FROM FEDERAL INCOME TAXES, NO PROVISION FOR INCOME TAXES IS INCLUDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS. GENERALLY, THE PRIOR THREE TAX YEARS REMAIN OPEN TO EXAMINATION. NORTHERN INITIATIVES DOES NOT BELIEVE THAT THE RESULTS FROM THE EXAMINATION OF ANY OPEN YEARS WOULD HAVE A MATERIAL ADVERSE EFFECT ON NORTHERN INITIATIVES. true MEDC OPTIMIZE MAIN STREET 37 92500 BATTLE CREEK EDU. AWARDS 32 174930 MUSKEGON BEI GRANTS 11 50000 ASPEN JOB QUALITY COHORT 8 19500 MBDA CRP PROGRAM 1 375000 SCHEDULE I, PAGE 1, PART I, LINE 2 EACH TYPE OF SMALL BUSINESS GRANT, SPECIFIED IN PART III, HAS ITS OWN SEPARATE GRANT SOURCE, IN WHICH NGLI SUBGRANTS TO SMALL BUSINESSES BASED ON WHAT IS SPECIFIED IN EACH GRANT AGREEMENT; DELIVERABLES AND OUTCOMES ARE REPORTED TO THE GRANT SOURCE. RECIPIENTS OF THE SMALL BUSINESS GRANTS MUST COMPLETE MINIMUM EDUCATION OR BUSINESS COACHING REQUIREMENTS TO BE ABLE TO RECEIVE A GRANT. X X X false false false false false false false false false ELIZABETH SANGALLI PRESIDENT/CEO 197450 12834 4735 215019 JILL MILLER CFO 128357 8343 24627 161327 GR NOIR (NADIA BRIGHAM) - SEE PART V GR NOIR BOARD MEMBER SMALL BUSINESS LOAN X 250150 209605 false true true GR NOIR (NADIA BRIGHAM) - SEE PART V GR NOIR BOARD MEMBER SMALL BUSINESS LOAN X 176000 153237 false true true DONKERS (TOM VEAR - SEE PART V) BOARD MEMBER SMALL BUSINESS LOAN X 70000 47645 false true true GR NOIR (NADIA BRIGHAM) - SEE PART V GR NOIR BOARD MEMBER SMALL BUSINESS LOAN X 55000 45283 false true true DELFT BISTRO (TOM VEAR - SEE PART V) DELFT THEATRE BOARD MEMBER SMALL BUSINESS LOAN X 220000 17027 false true true DELFT BISTRO (TOM VEAR - SEE PART V) BOARD MEMBER SMALL BUSINESS LOAN X 10300 1201 false true true 473998 SCHEDULE L, PART V ADDITIONAL INFORMATION RELATED TO PART II LOANS WITH INTERESTED PERSONS: TOM VEAR, BOARD MEMBER, OWNS MORE THAN 35% INTEREST IN DELFT AND DONKERS BUSINESSES. THESE LOANS ARE MADE ON SUBSTANTIALLY THE SAME TERMS, INCLUDING INTEREST RATES AND COLLATERAL, AS THOSE PREVAILING AT THE TIME FOR COMPARABLE TRANSACTIONS WITH UNRELATED ENTITIES. TOM VEAR ABSTAINS FROM VOTING RELATED TO THESE LOANS PER THE WRITTEN CONFLICT OF INTEREST POLICY. NADIA BRIGHAM, BOARD MEMBER, OWNS 51% INTEREST IN GR NOIR BUSINESS. THESE LOANS ARE MADE ON SUBSTANTIALLY THE SAME TERMS, INCLUDING INTEREST RATES AND COLLATERAL, AS THOSE PREVAILING AT THE TIME FOR COMPARABLE TRANSACTIONS WITH UNRELATED ENTITIES. NADIA BRIGHAM ABSTAINS FROM VOTING RELATED TO THESE LOANS PER THE WRITTED CONFLICT OF INTEREST POLICY. FORM 990 - ORGANIZATION'S MISSION TO ENCOURAGE, PROMOTE, AND FOSTER REVITALIZATION PROJECTS AND PROGRAMS BY OFFERING LOANS, STRATEGIC PLANNING AND OTHER SUPPORT TO ECONOMICALLY DISADVANTAGED COMMUNITIES IN THE GREAT LAKES WATERSHED REGION THAT ARE UNABLE TO ACCESS SUPPORT FROM TRADITIONAL SOURCES. BUSINESS DEVELOPMENT RESOURCES ARE AVAILABLE TO USERS OUTSIDE OF THE GREAT LAKES WATERSHED REGION. FORM 990, PAGE 6, PART VI, LINE 7A THE ORGANIZATION HAS FOUR CLASSES OF TRUSTEES. CLASS A, B AND C TRUSTEES HAVE EQUAL VOTING RIGHTS. FIVE CLASS A TRUSTEES ARE APPOINTED BY NORTHERN MICHIGAN UNIVERSITY (A TAX-EXEMPT ORGANIZATION). TEN CLASS B TRUSTEES ARE APPOINTED BY A MAJORITY VOTE OF THE CLASS B TRUSTEES. ONE CLASS C TRUSTEE IS APPOINTED BY THE MICHIGAN STRATEGIC FUND. CLASS D TRUSTEES ARE NON-VOTING AND ARE CONSIDERED AN EMERITUS AND TRAINING CLASS. UP TO FIVE CLASS D TRUSTEES ARE APPOINTED BY A MAJORITY VOTE OF CLASS A AND B TRUSTEES. IN ADDITION, THE PRESIDENT OF THE ORGANIZATION IS AN EX-OFFICIO BOARD MEMBER WITH ONE VOTING RIGHT. FORM 990, PAGE 6, PART VI, LINE 11B A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD OF TRUSTEES VIA EMAIL PRIOR TO FILING AND A FINAL COPY OF THE RETURN IS INCLUDED IN THE NOVEMBER BOARD PACKET. FORM 990, PAGE 6, PART VI, LINE 12C THE CODE OF ETHICS POLICY IS ANNUALLY SIGNED BY TRUSTEES AND REQUIRES THEM TO ATTACH A LIST OF ALL OWNERSHIP INTERESTS/ACTIVITIES WHICH MAY CONSTITUTE A CONFLICT OF INTEREST WITH THE ORGANIZATION. IN ADDITION, NO EMPLOYEE, OFFICER OR CREDIT COMMITTEE MEMBER SHALL PARTICIPATE IN ANY PROCESSING, REVIEW, APPROVAL OR DOCUMENTATION AFFECTING ANY POTENTIAL LOAN IN WHICH THEY HAVE A CONFLICT OR COULD BE PRERCEIVED TO HAVE A CONFLICT. FORM 990, PAGE 6, PART VI, LINE 15A THE PRESIDENTS COMPENSATION IS DETERMINED BY THE EXECUTIVE COMMITTEE OF THE BOARD OF TRUSTEES. A WAGE AND SALARY STUDY WAS DONE BY AN INDEPENDENT COMPANY FOR ALL EMPLOYEES A FEW YEARS AGO. FORM 990, PAGE 6, PART VI, LINE 15B COMPENSATION FOR OTHER OFFICERS IS REVIEWED BY THE PRESIDENT AND INCLUDED IN THE BUDGET PROCESS THAT IS PROVIDED TO THE BOARD OF TRUSTEES. A WAGE AND SALARY STUDY WAS DONE BY AN INDEPENDENT COMPANY FOR ALL EMPLOYEES A FEW YEARS AGO. FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. FORM 990, PART IX, LINE 11G PROFESSIONAL SERVICE CONTRACT 556,445 119,059 0 FORM 990, PART XI, LINE 9 CHANGE IN ALLOWANCE FOR LOAN LOSSES -652,978 UP BUSINESS CAPITAL 101 W WASHINGTON STREET STE 9 MARQUETTE MI 49855 452471096 LENDING MI 501C3 7 NGLI true UPPER PENINSULA CERTIFIED DEVELOP 101 W WASHTINGTON STREET STE 9 MARQUETTE MI 49855 462796593 LENDING MI 501C4 NGLI true false false false false false false false false false false false true false true true false true false false