For intermediaries only
For intermediaries only:Our processing team has a high volume of documents to process this week so we may be busier than usual. Please bear with us for a few days.

Secured Lending. Simplified.

Transparent decision-making, competitively priced. What’s not to like? We’re small business specialists too, and as part of Atom bank we’re striving to change the industry for good.


Commercial loans

A loan secured against an owner-occupied commercial property.

Commercial investment loans

A loan secured against one or more investment properties.

Lending criteria

The whos, hows and whys of our Secured Business Lending proposition. Check our criteria to see what we can offer.

Five steps to a lending decision


First things first, you’ll need to make sure you’re registered with us by ringing our Business Development Team or your local National Account Manager.


Complete our short application form and send it back to us using our secure email service. Remember to include all the documents we need to support the application.

Thumbs up thumbs down
Application pending

We’ll do our customer and business credential checks and assess the financials on the case, aiming to get back to you with a decision as soon as we can.

Get a decision

Our Underwriting team will email you details of the loan. If your customer is happy with the terms, we’ll send out a loan agreement and instruct the valuer and solicitor.

Receive funds

Once everything’s processed, we’ll transfer the funds to our solicitor on, or around, the completion date.

Raring to go?

If we're right for your customer,
apply now.

Got questions? Save time and see if they’ve been asked before.

Still have a burning question or problem? We’re happy to help. Just get in touch and we’ll get right back to you.