Atlanta-based commercial loan broker specializing in real estate, fix-and-flip, hard money, and SBA loans for investors and small business owners.
Data compiled from public sources · Google rating shown when a stored review count is available
Peach Tree Commercial Capital, LLC is a commercial loan brokerage firm founded and led by Jesus Martinez, who brings over 25 years of finance industry experience. The company operates from Marietta, Georgia, and has successfully secured over $385 million in funding for investors and business owners across various lending channels. Martinez previously led a brokerage funding firm in the Atlanta market for seven years before establishing Peach Tree, and maintains significant relationships with national lenders that provide the capital the firm brokers to clients.
The company offers a comprehensive range of commercial financing products including real estate loans, fix-and-flip loans, hard money loans, DSCR rental loans, new construction financing, investor rental portfolio loans, and commercial mortgages. They position themselves as an alternative to traditional bank lending, connecting borrowers with dedicated lenders who can provide capital in situations where big banks are unable or unwilling to lend. The firm operates with a loan staff context model, assigning dedicated professionals to guide clients through the commercial lending process.
Peach Tree differentiates itself through a stated commitment to long-term business viability rather than just closing deals. The leadership team, particularly loan staff context Ingrid Thomas, has relevant comparison signals prominently in Google reviews for efficiency, honesty, and empathy. The company maintains a 4.6-star rating based on 93 Google reviews, with customer testimonials emphasizing solution-oriented service and educational support. Martinez's active involvement in community boards (Cobb Chamber of Commerce, Georgia Hispanic Chamber of Commerce) and his military service background suggest a values-driven organizational culture.
However, as a loan broker rather than a direct lender, Peach Tree facilitates connections but does not fund loans directly. This means pricing, terms, and approval likelihood depend entirely on partner lenders' standards. The company's focus on commercial real estate and business lending means it cannot help consumers with personal credit issues, debt consolidation, or non-business financing needs. Marketing materials emphasize emotional and motivational messaging more than specific rates, terms, or listed fee structures.
This is state-level context for Business Loans consumers in Marietta, GA. It does not confirm that Peach Tree Commercial Capital, LLC or this specific location is licensed.
State regulator
Georgia Department of Banking and Finance
Consumer protection
Status: Permitted
Rate context: 5% simple interest (7% contract rate) under usury laws; no specific cap for licensed lenders making installment loans
Personal loans from licensed lenders are governed by Georgia Consumer Finance Law. Unlicensed lenders are subject to usury caps.
Status: Permitted
Rate context: Licensed installment lenders can charge tiered rates up to 60% APR on smallest loans, declining with loan size; rates regulated by Georgia Consumer Finance Law (Ga. Code Ann. § 34-29-1 et seq.)
Licensed by Georgia Department of Banking and Finance. Rates vary by loan amount with maximum rates decreasing as loan amounts increase. Lenders must be licensed and comply with all regulatory requirements.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Peach Tree Commercial Capital, LLC offers 12 services including Commercial real estate financing, Fix-and-flip loans for real estate investors, Hard money loans, DSCR rental loans (debt service coverage ratio), New construction financing, and 7 more.
Peach Tree Commercial Capital, LLC has profile signals associated with Real estate investors seeking fix-and-flip or hard money financing outside traditional bank parameters, Small business owners needing equipment financing, lines of credit, or SBA loans with broker guidance, Property investors building rental portfolios who qualify for DSCR (debt service coverage ratio) loans, Entrepreneurs in Atlanta/Georgia market seeking personalized commercial lending navigation and education.
Key strengths: Founder has 25+ years finance experience and has secured over $385 million in client funding; Established relationship with national lender providing significant line of credit availability; 4.6-star Google rating across 93 reviews with consistent praise for staff honesty and empathy. Areas to consider: Operates as a loan broker, not direct lender—actual rates, terms, and eligibility fields depend entirely on partner lenders; Website does not disclose specific interest rates, fees, processing times, or loan amount ranges.
In the Business Loans category, comparable providers include Belong Lending, Max Leaman Austin Mortgage, Mortgage Reel - Keith Akada. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Peach Tree Commercial Capital is profile signals for real estate investors and small business owners in the Atlanta area seeking alternative commercial financing when traditional banks decline them. The main caveat is that as a broker, they connect borrowers to lenders but do not fund directly, meaning actual terms and approval depend on partner lender standards, which are not disclosed on their website.
Detroit-based mortgage broker offering home purchase loans, refinancing, and rate comparison tools with claimed 30-day funding timelines.
Google rating from 70 reviews
Profile signals: First-time homebuyers in Michigan seeking guidance through the purchase process and pre-approval, Existing homeowners looking to refinance mortgages at lower rates or access home equity
Max Leaman Austin Mortgage offers home purchase and refinance loans through LoanPeople, emphasizing rate claims to verify, low fees, and on-time closings since 2001.
Google rating from 523 reviews
Profile signals: Condo buyers in the Austin/Central Texas area seeking listed financing, First-time homebuyers who value personalized customer service and education through the process
Seattle-based mortgage broker Keith Akada offers purchase, refinance, and jumbo loans with 25+ years of experience, specializing in tech worker compensation and first-time buyer programs.
Google rating from 318 reviews
Profile signals: Tech industry employees (Amazon, Microsoft, Google, Meta) with RSUs or stock compensation seeking to maximize buying power, Seattle/Bellevue area buyers in competitive multiple-offer markets who need fast pre-approval and closing
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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