Atom bank announces Fiducia Commercial Network partnership

01 July 2025

Atom bank, the UK’s highest rated mortgage lender on Trustpilot, has confirmed an enhanced partnership with Fiducia Commercial Network.

As a result, Atom bank will have enhanced access to Fiducia’s Appointed Representative network, as well as the opportunity to conduct speaking engagements and deliver broker education sessions.

Fiducia Commercial Network is part of the Fiducia Group, and was established to support individual brokers and broker firms with commercial clients. The network provides intermediaries with the tools and backing needed to deliver a comprehensive range of commercial finance options. Fiducia is known for being a network that takes the time to understand the needs and goals of individual members, as well as establishing strong relationships with lenders and commercial partners.

Ongoing improvements

Atom bank has introduced a host of enhancements to its commercial mortgage proposition. The fixed rates available for commercial investment cases have been reduced by up to 0.40%, while Atom has also implemented a simplified variable stressed interest rate calculation which will enable qualifying applicants to secure larger loans.

The lenders’ business borrowers benefit from bespoke pricing, based on the applicant’s individual circumstances. Brokers can utilise the Quick Quote tool on the Atom bank portal to quickly obtain an indicative quote for their business clients.

Atom bank also provides rapid access to funds, with Agreements in Principle (AIP) issued within one working day on average, based on 2025 data. In addition, formal offers are delivered within six working days of the acceptance of the AIP.

David Castling, Head of Intermediary Distribution at Atom bank, commented:

“Atom bank is passionate about delivering commercial funding to business borrowers which will allow them to achieve their wide-ranging ambitions. 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."