Atom bank has passed £1bn of commercial mortgages held on its balance sheet, underlining the pace of growth in its business lending operation.
The milestone was reached this week and follows year-on-year growth of 24% across the past 12 months, according to the lender.
The £1bn mark is the latest in a series of recent milestones for Atom bank’s commercial mortgage team. In the final three months of 2025, the bank set a new quarterly record for commercial mortgage offers, achieving the figure with a month of the quarter still remaining.
At the end of last year, the bank also completed its largest Scottish commercial mortgage transaction to date, worth almost £6m.
The past year also saw a number of changes to the bank’s commercial lending proposition, including the introduction of a simplified stressed interest rate, the launch of its Better Buildings programme offering pricing incentives for energy-efficient properties, and enhancements to its Growth Guarantee Scheme proposition.
Tom Renwick, head of business lending at Atom bank, said: “Surpassing £1bn of commercial lending on our balance sheet is an important milestone, and demonstrates the impact Atom bank has made in this market, developing from a start-up challenger to a genuine player in the commercial space.
“We have consistently invested in our technology to ensure brokers and their clients enjoy a faster, easier and more transparent experience, and this growth shows how those improvements have struck a chord with the intermediary community.
“To have achieved this milestone while maintaining strict credit discipline is unquestionably impressive. We have hit this figure by staying true to our core purpose of supporting quality SMEs, often overlooked by high street lenders, but who have the drive and insight to make their plans a reality.
“Our commercial team has enjoyed an outstanding few years, but we have no intention of resting on our laurels and will continue to invest in the people and technology needed to bring our offering to a wider group of SMEs.”
