A discount of 0.25% is available in cases where the borrower can demonstrate a DSC of 200% for trading applications or an ICR of 200% for commercial investments.

The rate discount has been introduced with immediate effect for new applications.

Atom bank head of business lending Tom Renwick says: “We are continually looking for ways to deliver tangible value to the intermediary market and their clients. This new pricing is recognition of the financial discipline demonstrated by SMEs with strong debt service coverage and investors with prudent interest coverage ratios.”

“In offering this discount, we are making it easier for high quality businesses to secure the funding they need, reinforcing our commitment to support a broader spectrum of SMEs with competitive and cost effective funding to push on with their plans for 2026 and beyond.”