Secured Loans

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.

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. Our Buy To Let loans have a Standard Variable Rate (SVR) of 4.7%.

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.