Atom bank pioneers next-generation commercial lending with Flowable implementation

Atom bank, one of the UK’s highest rated banks on Trustpilot*, has announced the successful implementation of the Flowable process automation engine, a core technology initiative designed to redefine speed, efficiency, and scalability within the commercial lending market.

Flowable’s agentic case platform establishes a custom architecture across the bank’s operations, dramatically cutting target origination times and positioning Atom at the forefront of AI-ready lending infrastructure.

The highly customisable, proprietary capability allows the bank to break away from off the shelf offerings and paves the way for the bank to seamlessly integrate advanced AI utilities, such as AI augmented underwriting, directly into its workflow.

Redefining market speed and operational efficiency

The implementation aims to deliver immediate, material improvements across the entire commercial mortgage journey, driving significant productivity gains for Atom’s team.

Key advancements include:

• Drastic handling time reductions: Atom bank is delivering an end-to-end average handling time (AHT) reduction across commercial loan origination. To date this has included up to 30% between application and Agreement in Principle (AIP), with further reductions expected over time.
• Scaled operational capacity: A material uplift in processing capacity, allowing the bank to seamlessly scale loan volumes and manage peak market flow without requiring a linear increase in operational headcount.
• Greater resilience: The transition to the new architecture replaces manual handoffs with resilient, fully audited automated workflows, significantly mitigating operational risk.

Benefits for broker partners

For the broker community, this deployment translates directly to faster processing times, increased case transparency and an ultra-responsive service model. By eliminating tedious administrative tasks, Atom’s lending specialists can focus more time on complex case management, ensuring deals with quirks and hurdles are processed faster.

The platform provides brokers with a secure portal featuring structured, intelligent information capture tailored precisely to core decision requirements. Brokers benefit from seamless log-in facilities and real-time case tracking, removing the friction traditionally associated with commercial property financing.

Tom Renwick, Head of Business Lending at Atom bank, commented:

“An integral element of Atom’s competitive position will be our ability to complete transactions faster than competitors through a combination of market-leading technology and smart process engineering. By unleashing the full potential of our team and automating repetitive processes, we are delivering a lending platform that redefines speed and efficiency in the market. Ultimately, this allows us to cultivate fiercely loyal broker advocates via exceptional user experiences and increase our market share.

“With the improved technology at our disposal, Atom is uniquely equipped to scale operations up without a proportional increase in fixed overheads. This deployment future-proofs the bank’s composable architecture, ensuring it can adapt instantly to evolving broker needs and market opportunities.”

ENDS

• As of 16 June, based on 19,901 reviews

For Atom

Robbie Steel, robbie.steel@atombank.co.uk 07538 775 701

About Atom bank

Atom bank is one of the UK’s highest rated banks on Trustpilot, and is on a mission to make the experience of borrowing and saving faster, simpler and better value than anyone else. The bank launched operations in April 2016 as the UK’s first app-based bank, and offers award-winning mortgages and savings through its app, alongside secured business lending for small and medium-sized enterprises.

Based in the North East of England with a team of nearly 600 people, Atom is here to ​​change banking for the good, for the better, and for everyone. This means focusing on customers’ needs, delivering better value than the incumbents, providing an exceptional app-based experience and offering award-winning customer support via phone, chat, email and social channels. The bank has some of the best customer service credentials in the UK, having achieved 5-star ratings on both the iOS and Android App Stores, whilst consistently delivering Net Promoter Scores (NPS) in the high 80s.

Based in Newcastle, Atom is an engaged and active member of the North East Community. In 2022 Atom signed a five-year Memorandum of Understanding with Durham University to progress key research and diversity initiatives. The region has one of the highest levels of youth unemployment in the UK and Atom is passionate about addressing the critical digital skills gap and helping develop young people and other groups that are under-represented within the industry. In 2024, Atom purchased 25 acres of newly planted broadleaf woodland in Northumberland to sequester 7000 tonnes of carbon, which will account for all its operational emissions since founding. This forms part of the bank’s pledge to be climate positive by 2035, becoming the first UK bank to make this commitment.

As of November 2021, all employees enjoy a four-day working week, after Atom became the largest company - and only bank - in Britain to introduce the policy for all employees, with no reduction in salary.

The Atom executive team are highly experienced, having built and run some of the most well-respected banks in the UK. CEO Mark Mullen has 30 years’ experience in the sector and was previously CEO at the multi- award-winning telephone and internet bank first direct. The team is supported by a strong non-exec board, chaired by Lee Rochford.