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 · Rating from CreditDoc methodology
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 specialist 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 specialist Ingrid Thomas, is highlighted 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 transparent fee structures.
Yes. Peach Tree Commercial Capital, LLC is a registered company, headquartered in Marietta, GA.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Peach Tree Commercial Capital is best 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.
Best for: 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 competitive rates, low fees, and on-time closings since 2001.
Best for: Condo buyers in the Austin/Central Texas area seeking specialized 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.
Best for: 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 must 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 cheapest 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 fastest way 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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