Secured Loans

Apply for a secured loan and get transparent lending decisions in days not weeks, so you can stop worrying and get on with running your business. Talk to an intermediary about secured loans to see if we’re right for you.

Why we're different

Straightforward secured business loans 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 secured loans available on the market, so you find the right loan for your business - even if it isn’t with us.

Our secured loans explained

Our secured loan 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

Secured business loans with a maximum Loan-to-Value rate (LTV) of 75%, for commercial property investment, commercial owner-occupied and semi commercial borrowers. Our Buy To Let loans have a Standard Variable Rate (SVR) of 4.7%.

We can lend to:

Apply for a secured loan if you're a limited company, Limited Liability Partnerships (LLPs) Partnerships or Sole traders.

How secured loans work

Find a broker

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

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.

Decision time

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

Your broker applies

They complete our quick and easy enquiry form for you.

ID and verification

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

Find a secured business loan broker

Ready to apply for a secured loan? Search for a broker who works with Atom. They’ll make an application for you and we’ll keep you informed every step of the way.