Frequently asked questions

We have a designated Regional Business Development Management team who can discuss any new enquiries with you.

Alternatively you can contact us on 0333 399 0060 or email businesssupport@atombank.co.uk Monday to Friday, 9am to 5pm and one of our TBDMs will be able to help.

Meet the Team

Why not check out our lending criteria to see if we’re the right fit.

Why not? After all, we’ve completely reimagined and revamped the intermediary experience and customer journey, and we’ve done this specifically with you in mind. In fact, by really getting to know and understand what intermediaries need, we’ve been able to create our systems around you, which in turn will make your role as straightforward as possible. From removing any unnecessary duplication of information requests, to simplifying the process, we aim to provide quicker lending decisions and reduce the overall timeline from request to drawdown, and that can only be good news for you.

Atom is a privately owned company with a group of investors at the helm. Without our investors, we couldn’t have created a better way of banking for your clients.

We’re based in Newcastle in the North East of England, but our team have come together from all over the world. We’re building a bank with a pounding heart and plenty of soul.

100%. There’s no smoke and mirrors here. We’re building something that people have been wanting for years. It’s about time banking changed, and we’re hoping to lead the way.

This all depends on the type of application. As part of the application submission on the portal, you will be provided with a list of documents you need to upload. Ensure these are included with your application before you click submit.

You can also refer to our documents page to help you.

Is your firm on panel? If yes, click on the link below that will take you to the registration page of our portal.

If your firm is not already on panel, you can contact us on 0333 399 0060 or email businesssupport@atombank.co.uk Monday to Friday, 9am to 5pm and one of our TBDMs will be able to help.

For property investment deals, register on the portal, and use our quick quote tool.

For Trading deals contact the Intermediary Support Team on 0333 399 0060 or email businesssupport@atombank.co.uk Monday to Friday, 9am to 5pm and one of our TBDMs will be able to help. Alternatively your RBDM will be able to assist you.

In the first instance they should contact our call centre 0333 399 0050, who’ll endeavour to answer their query. If they’re unable to, the query will be passed over to the Business Banking Support Team, who’ll take over things and reply accordingly.

That depends on your query. If it relates to your panel membership then, in the first instance, please contact your dedicated Business Development Manager. If your query is case related, please contact our Business Banking Support Team, who will be able to help and may also involve one of our Underwriters too. Over time though you’ll build a relationship with the Support Team and our Underwriters - we’re keen to make sure you know them as well as your BDM.

They’ll receive an annual statement, or if they require an update prior to that, they simply request one and we’ll happily send it to them.

We hope that’s never the case, but if they need to get something off their chest, they can get in touch by email or over the phone.

Capital and Interest, and Interest only* with amortisation profiles up to 25 years.

*subject to LTV

Your clients could potentially borrow anything from £100,000* to £10 million* as a single loan.

*minimum and maximum loan amounts may vary depending on product/scheme

Yes, we have previously supported CBILS and RLS 1, 2 and 3 schemes.

We’re happy to accept a LTV up to 75% (not including goodwill on some healthcare businesses). To discuss a case in more detail please call your National Account Manager or our Intermediary Support Team.

We offer deals ranging from a minimum of 12 months to a maximum of 25 years.