Atom bank has reduced the minimum loan size to £100,000 for its commercial mortgage range to meet growing demand from brokers.

The reduction follows February’s minimum loan size reduction to £200,000 and is a direct reaction to the appetite shown from brokers in this area of the market.

Atom has also made some significant changes to its pricing structure designed to enhance the competitiveness of lending between 50-65% LTV. Across the range, this sees reduced rates for new applications of 0.25% for trading businesses and 0.34% for commercial investment cases on average.

The new rates are effective immediately, and will apply to all new qualifying applications received from 13 April 2026.

Atom bank has made a host of improvements to its proposition recently, including reducing rates and introducing a rate discount for high quality cases with a debt service coverage or interest coverage ratio of at least 200%.

Commenting on the changes Atom bank head of business lending Tom Renwick said:  “Since our reduction to £200,000 earlier in the year, the feedback from brokers and SMEs has been loud and clear, indicating a specific need to reduce this even further.

“We know that there are very few other lenders supporting businesses at these lower loan sizes, and as a start-up and challenger to the high street ourselves, we want to be able to make a difference where it matters.”