For intermediaries only:Our processing team has a high volume of documents to process this week so we may be busier than usual. Please bear with us for a few days.

Business lending made simple

Transparent lending decisions in days not weeks, so you can stop worrying and get on with running your business. Talk to an intermediary to see if we’re right for you.

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Why we're different

Straightforward products and lending criteria
Transparent pricing - no haggling, no hidden fees
Your broker has direct access to our underwriters

Brokers can advise you on the best deals available on the market, so you find the right loan for your business - even if it isn’t with us.


Our loans explained

Our lending criteria are easy to follow, so you’ll know from the start whether we can meet your needs. This helps us keep our decisioning process slick, so you get your money as quickly as we can get it to you.

We offer:

Business loans with a maximum Loan-to-Value rate (LTV) of 75%, for commercial property investment, commercial owner-occupied and semi commercial borrowers.
Portfolio Buy To Let loans for landlords, with a maximum LTV of 80%.


We can lend to:

Limited companies, Limited Liability Partnerships (LLPs) Partnerships, Sole traders.

How it works

1. Find a broker

They’ll help you decide if Atom bank has the right type of loan for you.

2. Your broker applies

They complete our quick and easy enquiry form for you.

3. ID and verification

We do a precautionary ID check on you and your business - just to make things extra safe.

4. We get down to business

We assess your application, and the documentation you’ve supplied via your broker, and get back to them with a decision as soon as possible.

5. Decision time

We always want to deliver good news, but if we decline your application we’ll always try and tell you why.

From one growing business to another

We've provided loans totalling over £180 million to hundreds of businesses across more than 20 different industries. Ready to find out if we’re right for you?


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