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For intermediaries only
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Secured Business Loan

We offer a simple, straightforward variable rate loan, secured against assets. Benefit from rates that reflect the risk level of the business - the lower the risk, the lower the rate.


Lending with us is

400

Faster

We target making a credit decision in 3 working days and having money in a customer’s account within 6 weeks.

Flexible | Atom

Flexible

Repayments to suit business needs over the term of the loan.

Fair | Atom

Fair

No hidden costs & help to secure the lowest possible rate

The team

From banking experts to tech visionaries, at Atom we’ve created a dedicated team that’s determined to give you the best end-to-end journey possible.

  • Meet Stephen Pratt
    Stephen Pratt | Atom Stephen Pratt | Atom
    Stephen Pratt
    Head of Securities & Business Support

    I'm aiming to deliver an exceptional customer experience that's unique in the SME market.

    What do you like about working at Atom?

    The chance to disrupt SME banking in the UK.

    Name one thing you can't live without

    My iPad.

    Sun or snow?

    Sun!

    Close
  • Meet Nick Thompson
    Nick Thompson | Atom Nick Thompson | Atom
    Nick Thompson
    Business Banking Support Manager

    I am leading a team of Business Banking Support Executives to deliver an unbelievable Customer Experience to Atoms Business Banking customers.

    What do you like about working at Atom?

    The relaxed atmosphere and people, plus I can wear jeans to work!

    Name one thing you can't live without

    AIR.

    iPhone or Android?

    Android.

    Close
  • Meet Stephen Brown
    Steven Brown | Atom Steven Brown | Atom
    Stephen Brown
    Business Banking Support Executive

    I am helping to construct and deliver a groundbreaking experience for our Business Banking customers.

    What do you like about working at Atom?

    Muffin Mondays (it’s only every other Monday though).

    Name one thing you can't live without

    Music.

    Rock or pop?

    Rock (although I'm a secret Belieber).

    Close
Loans | Atom

Our loans

With a credit decision in days, you can borrow from £25,001 to £3 million, and repay the loan over a maximum period of 25 years. Competitive rates and no early repayment charges.

Lending criteria | Atom

Lending criteria

Our lending isn’t limited to bricks and mortar security. We can secure the loan on a range of assets and typically offer an LTV up to 75%. We offer flexible terms, but need proof of affordability.