Business loans made simple

Get the financial support your business needs for success with a secured business loan from Atom bank.

  • Straightforward commercial mortgage products
  • Transparent terms and conditions
  • Simple, broker-led application process
  • We’re a registered lender with the Lending Standards Board
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Find a business loan that's right for you

  • Commercial mortgage

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    We offer commercial mortgages that are secured against assets of value in your business, like property or premises. Choose from a variable rate loan, where interest tracks the Bank of England base rate, or a fixed rate loan, where interest stays fixed over the loan term.

    Explore our commercial mortgages
  • Recovery Loan Scheme (RLS) loans

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    RLS is a government-backed scheme, designed to support access to finance for UK small businesses as they look to invest and grow. We offer secured loans through the scheme, with both fixed and variable rate interest options available.

    Find out about RLS loans

Why choose Atom to support your business?

We’re fiercely passionate about supporting SMEs and that’s why we offer exceptional value and service to our business customers. Plus there are a whole host of other benefits that make Atom a great choice for your business.

Straightforward loan products

Designed around what’s important to you and your business.

Award-winning customer service

If you need help, just get in touch with our fantastic Customer Support team.

We understand that no two businesses are the same

So that’s why our underwriters assess every application on its individual merits.

Transparent lending criteria and T&Cs

We’ve made our small print as clear and understandable as possible, so you know exactly what you’re applying for.

We support fair treatment for businesses

We were the first non-high street lender to adopt standards set by the Lending Standards Board — find out more.

BCR grant

We’ve been granted £10m from the Banking Competition Remedies (BCR) to boost genuine competition in lending for SMEs.

Broker-led application process

Get advice on the best loans for you, even if they’re not with us. Quick and efficient service — we’re always working to improve our application and decision-making processes to ensure we can progress your application as speedily as possible.

Our green credentials

We’re a signatory of Bankers for Net Zero and have committed to becoming carbon positive by 2030 — find out more.

Like what you see?

Take a look at what we offer

Business loan FAQs

If you want to find out more about Atom bank, head to our FAQs page.

To speak to a member of our team, jump into the app - they’re here everyday, 8am to 8pm, ready to help.

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