BATTLE CREEK — Free learning opportunities will be available from Northern Initiatives, a nonprofit lender working throughout Michigan.

— Applying for a Business Loan 101: This free webinar Tuesday can help entrepreneurs learn about business loans, including what lenders look for and types of financing.

Commercial lender Kellie Hoffman will lead the webinar, which starts at 10 a.m. Eastern time. Hoffman, who has 25 years of experience in lending, will talk about the loan process, what information lenders look for, the various types of financing available to small businesses, and reporting requirements.

“Too often, entrepreneurs can’t access capital simply because the process is so frustrating or intimidating,” Hoffman said. “Every lender is different, but understanding what they want saves time and improves the chances of getting a loan.”

Registration is online at www. northerninitiatives.org.

— Business Planning Cohort: This free course starts Oct. 1 and is open to all Upper Peninsula residents.

The cohort will meet from 5:30 to 7:30 p.m. Eastern time every Tuesday in October.

“Entrepreneurs at any level benefit from a well-thought-out business plan,” said Business Coach Jody Lindberg, who works throughout the U.P. “This cohort isn’t just for startups, who will benefit greatly, but it’s also for anyone who wants to grow their business.”

Cohort members can learn about business financials, cash flow, different types of funding, and startup costs, and will walk away with a pitch-ready business plan.

Registration is limited and available now at www.northerninitiatives.org.

Northern Initiatives, a Community Development Financial Institution, delivers loans and business services to small business owners and entrepreneurs who create jobs in northern Michigan. Learn more at northerninitiatives.com.