"Through this partnership, Atom Bank is supporting the adviser members of the Fiducia Commercial Network and their business clients"
- David Castling - Atom bank
Atom bank has confirmed an extended partnership with Fiducia Commercial Network, aiming to broaden its presence within the commercial finance intermediary space.
The agreement will give Atom bank greater access to Fiducia’s Appointed Representative network. It will also allow the lender to deliver educational sessions and speaking engagements aimed at supporting brokers working with commercial clients.
Fiducia Commercial Network, part of the Fiducia Group, supports both individual brokers and broker firms, offering access to a wide range of commercial finance solutions. The network is positioned as one that prioritises understanding the specific needs and objectives of its members, while maintaining strong relationships with lenders and commercial partners.
Commercial mortgage updates
Alongside the partnership, Atom bank has introduced several updates to its commercial mortgage proposition. Fixed rates for commercial investment mortgages have been reduced by up to 0.40%, and the bank has implemented a simplified variable stressed interest rate calculation. This change is expected to allow eligible applicants to access larger loan amounts.
Business borrowers also benefit from tailored pricing based on individual financial profiles. Brokers can use Atom bank’s Quick Quote tool through the lender’s portal to obtain indicative terms for clients efficiently.
In terms of processing times, the bank reports that Agreements in Principle (AIPs) are typically issued within one working day. Following AIP acceptance, formal offers are currently issued within an average of six working days, according to 2025 data.
“Atom bank is passionate about delivering commercial funding to business borrowers which will allow them to achieve their wide-ranging ambitions,” said David Castling, head of intermediary distribution at Atom bank (pictured). “We have made numerous improvements to our products and processes over the last year, but are also keen to work with distributors who will help us deliver our funding to more British businesses. Through this partnership, Atom Bank is supporting the adviser members of the Fiducia Commercial Network and their business clients.”
Mark Grant, managing director of Fiducia Commercial Network, added: “This partnership provides our brokers with an outstanding option for their business clients. By providing bespoke pricing, Atom bank ensures that borrowers pay a rate that genuinely matches their circumstances, a feature that I’m certain will be welcomed by our members.
"Like us, Atom bank is committed to helping businesses across the UK to access the funding they need to match their present and future aspirations.”
