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The information provided by these calculators is for illustrative purposes only and accuracy is not guaranteed. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a BLP financial professional prior to relying on the results.

This calculator does not have the ability to pre-qualify you for any loan program. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. This calculator does not calculate the Annual Percentage Rate or Average Prime Offer Rates. BLP does not guarantee any of the information obtained by this calculator.

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First Call Heating and Cooling

First Call Heating & Cooling

First Call Heating & Cooling is a heating, ventilation, and air conditioning company locally owned and operated by Joel Venn and Julie Venn. They recently purchased a larger facility at 4603 Durand Ave in Mount Pleasant to support the growing business and will use the location as their primary office and warehouse, which will include training rooms for new employees. This location is ideal for the company with a larger, visible site more centrally located within Racine County.

Once again, working with BLP has allowed me to lend to a local business that I would have otherwise been unable to do conventionally. They are a great lending partner and offer a variety of financing options that allow our clients to reinvest their cash into growing their business. It’s truly a win-win for everyone. The staff is professional and hard-working. I look forward to working with them again in the future.

Barry Fries

Commercial Relationship Manager, Johnson Bank

First Call installs, diagnoses, repairs, and maintains all major brands of HVAC (heating, ventilation, and air conditioning) appliances. They use the latest technologies created by cutting-edge manufacturers. Their highly trained staff maintains critical certifications in multiple areas of expertise. The additional space will allow them to keep inventory at a central location, rather than the two storage facilities the company currently rents in different locations across town.

Fantastic! This has been a really great experience for us.

Julie Venn

Owner, First Call Heating & Cooling

BLP provided financing to First Call through a Racine County Loan Fund in partnership with Johnson Bank. BLP partnered with Johnson Bank to provide 94.4% of the funding. This partnership allowed the customer to secure over 90% financing for the purchase of the new location reserving the Company’s own cash to grow the business. The intended use of the Racine County Loan Fund is to provide gap financing to small businesses, reducing the borrower’s equity requirement and providing attractive rates and terms to assist growing businesses. Priorities like adding to the economy and job creation, which were met, are necessary for use of the loan program.

Contact Us with your business financing needs

Karmin Garstecki
Karmin Garstecki
Loan Officer
Karmin Garstecki is one of Business Lending Partners Loan Officers. Karmin conducts credit analysis and application processing for BLP. Karmin also assists in maintaining the Business loan portfolio. Karmin holds a BBA in Finance from the University of Wisconsin - Whitewater.
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