Atom bank has reduced rates across its commercial mortgage range by as much as 0.62%, sharpening pricing for SME borrowers and stepping up competition in the business lending market.
On average, trading businesses will see reductions of 0.30%, while commercial investment deals benefit from cuts of 0.20%. Across both segments, rates have fallen by between 0.15% and 0.62%.
For trading businesses borrowing under the Growth Guarantee Scheme, rates on both variable and fixed products have been reduced by 0.30%.
The changes follow the recent launch of a 0.25% discount for business borrowers with a debt service coverage or interest coverage ratio of 200%.
BESPOKE PRICING
The lender continues to price cases on a bespoke basis, with rates tailored to individual borrower circumstances. Brokers can access indicative pricing within moments using the Quick Quote tool via the bank’s portal.
The repricing comes as Atom’s commercial team builds momentum. The bank began 2026 having surpassed £1bn in commercial mortgages on its balance sheet, completed its largest-ever Scottish deal at the end of last year and secured multiple wins at the NACFB annual awards.
TRANSPARENT PRICING
Tom Renwick (main picture), Head of Business Lending at Atom bank, says: “At Atom bank, we believe that fair, transparent pricing is the most powerful tool we have to support the UK’s SME community.
“By reducing our rates, we aren’t just offering a better deal; we are intentionally driving competition in a market that has long needed it. Our goal is to prove that business borrowers don’t have to choose between competitive pricing and strong service levels – at Atom, they get both.”
LOW-COST FUNDING
And he adds: “This latest rate reduction, alongside our new discounts for high-quality cases, reinforces our commitment to providing SMEs with the sustainable, low-cost funding they need to thrive.
“We’ve listened to our broker partners, and by combining these sharper rates with a streamlined digital process, we are ensuring that certain, high-value outcomes are more accessible than ever for British businesses.”
