The £1 billion threshold was reached this week, with balances increasing by 24% year-on-year over the past 12 months

Atom bank has passed £1 billion of commercial mortgages on its balance sheet, marking a major milestone for the lender’s business lending operation.

The £1 billion threshold was reached this week, with balances increasing by 24% year-on-year over the past 12 months.

The milestone follows a series of strong performances throughout 2025.

In the final quarter of the year, the commercial mortgage team set a new record for offers issued, achieving the figure with a full month still remaining in the quarter.

Atom bank also completed its largest ever Scottish commercial mortgage transaction towards the end of 2025, with a deal value of almost £6 million.

The lender’s achievements were further recognised at the National Association of Commercial Finance Brokers (NACFB) annual awards, where Atom bank was highly commended in both the Commercial Mortgage Lender and Underwriting Team of the Year categories.

Individual successes included Natalie Cockburn being named Unsung Hero of the Year and Guy Olden winning the Rising Star of the Year award.

Growth in commercial lending has been supported by a number of proposition enhancements introduced during 2025.

These included the launch of a simplified stressed interest rate approach, the development of the Better Buildings programme offering rate discounts for energy-efficient properties, and improvements to the bank’s Growth Guarantee Scheme proposition.

Tom Renwick, head of business lending at Atom bank, said: Surpassing £1 billion of commercial lending on our balance sheet is an important milestone, and demonstrates the impact Atom bank has made in this market, developing from a start-up challenger to a genuine player in the commercial space.

We have consistently invested in our technology to ensure brokers and their clients enjoy a faster, easier and more transparent experience, and this growth shows how those improvements have struck a chord with the intermediary community, he said.

He added: To have achieved this milestone while maintaining strict credit discipline is unquestionably impressive. We have hit this figure by staying true to our core purpose of supporting quality SMEs, often overlooked by high street lenders, but who have the drive and insight to make their plans a reality.