Atom bank broker portal enhancements help to slash AIP-to-offer timeframes

17 February 2026

Atom bank, the UK’s top-rated bank on Trustpilot*, has introduced a succession of enhancements to the broker Portal and back office processes, providing commercial brokers with a faster experience.

In total, 87 improvements to the broker Portal were added over the last 12 months, many of which were the direct result of broker feedback. In each case, the enhancements are designed to help brokers save time, improve productivity, and provide their business borrower clients with a smoother experience.

These strategic enhancements have significantly accelerated Atom bank's service times. The bank has consistently maintained its impressive application-to-Agreement in Principle (AIP) speed, which stands at one working day - and is often achieved on the same day. Furthermore, the average time from AIP-to-offer has been reduced by 80% over the last calendar year, now averaging just five working days.

These consistent speeds are all the more impressive given they have been maintained as Atom bank has significantly increased its operational capacity. At the start of 2026, the bank passed the £1 billion mark for commercial mortgages on its balance sheet, while the final quarter of 2025 set new internal records for activity.

The end of 2025 also saw Atom bank complete its largest ever Scottish transaction, worth almost £6 million, as well as winning a number of awards and commendations at the National Association of Commercial Finance Brokers (NACFB) annual awards.

Improvements to the portal introduced in the last 12 months include:

The expanded use of the Companies House API, to populate key information on key individuals and linked businesses, reducing the level of manual input and requests for further information.
A cleaner, more intuitive user interface (UI) for the Portal that is easier to use, including redesigning the document upload feature to make uploading multiple documents simpler.
Adding a new broker dashboard to the Portal, ensuring it is easy for brokers to clone applications and keep track of a variety of cases at the same time.
Adding serviceability calculations to the Quick Quote tool, providing immediate clarity and upfront validation on a quote’s viability, preventing work in applications that are unlikely to succeed.
The introduction of case statuses for every application within the portal. This provides clarity and reassurance by clearly indicating the current stage of the case.

Tom Renwick, Head of Business Lending at Atom bank, commented:

“Over the last couple of years, we have made more than 150 improvements to the Portal and processes, which have been the result of extensive dialogue with our broker partners.The results speak for themselves, substantially increasing our operational capacity while maintaining market-leading speeds for application-to-AIP, and significantly reducing the time taken to move from AIP to offer.

“We view our relationship with brokers as symbiotic: we win and lose together. We actively seek and incorporate feedback loops into our product lifecycle to continuously streamline our tooling and processes, ensuring brokers and their commercial clients benefit from a friction-free experience that delivers funding with the speed and certainty they need to succeed.”

Shahjahan Alam, Commercial Finance Manager at Mortgage and Finance Arena, added:

“We have enjoyed a long relationship with Atom bank, as one of the first brokers added to its panel when Atom first launched into the commercial space, so have seen in real time the work that has gone into improving the broker portal. It is now much more intuitive, faster and smoother to use, and ensures I can deliver an even better experience to my clients. The combination of the improved technology with the personal touch provided by the commercial team is a really compelling one.”

*Based on 19,114 reviews, correct as of 12/02/2026