Atom bank has surpassed £1bn in commercial mortgages on its balance sheet.

The bank said the milestone, which was achieved this week, reflected the consistent growth delivered by its commercial lending team as balances increased by 24% in the past year.

The £1bn achievement is the latest in a series of milestones achieved by the Atom commercial mortgage team, after it set a new record for commercial mortgage offers in the final three months of 2025 with a month still remaining within the quarter.

Furthermore, Atom also completed its largest ever Scottish transaction at the tail end of 2025, worth almost £6m.

Head of business lending at Atom bank, Tom Renwick, said that surpassing £1bn in commercial lending demonstrates the impact the bank has had on the market.

He added: "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.

"Atom bank’s 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."

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