Building for your future

At Atom we’re building products and experiences that help free you up to fully focus on your business.

Small business owner working at a laptop whilst on their phone

What we’ve got planned

We’d like to give you a little look into the future to see what exciting things are on the horizon. Here’s what we’ve got planned, what we’re currently working on, and a list of the improvements we’ve already made.

Cash Flow Forecasting

By creating a tool that provides valuable insights into your cash flow, you can look forward with confidence.

Small business owner in their workshop
Financial Health Insights

By utilising transactional and accounting data, we’ll provide you with actionable insights, and allow you to drill down into the numbers for a more detailed financial view.

Unsecured Term Loans

In the future you’ll be able to easily apply for an unsecured loan through our app, and you can get a decision within minutes.

Visualisation of Financial Health

We plan to develop an option that provides you with a snapshot overview of your business’s financial health.

Business Instant Access Savings

We’ll ensure your surplus cash is working hard for you by introducing competitively-priced Instant Access Savings Accounts via our app.

Invoice Discounting

We plan to create a solution that allows quick access to cash tied up in outstanding invoices.

Small business owner at their point of sale system wearing a face mask
Working Capital Facility

We aim to provide an on-demand working capital facility to ensure that you can manage day-to-day cash flow fluctuations and long-term obligations.

Loan Marketplace Integration

Where we’re unable to meet your needs, we want to ensure you have access to a wide range of lenders. This will enable us to do just that.

Savings Outbound Payments

We intend to introduce additional outbound payments types from our savings accounts.

Three jars being used as savings pots full of pennies and copper coins
Savings Pots

By creating multiple pots that allow you to stash money away from your main savings balance, we can help you save towards specific goals.

Help us build a better bank

How about sharing your ideas and feedback with us? We’re inviting you to become part of The Kitchen, a close-knit group of like-minded business owners that help test, prove and inform many of the decisions we make. Are you in?

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News and views

Business Banking

BCR award: supporting businesses in this time of crisis4 minutes | 30 November 2020

Business Banking

We have become an interim registered firm with the Lending Standards Board!1 minute | 06 October 2020

Business Banking

Am I eligible for a CBILS loan?3 minutes | 04 August 2020