Atom Bank, one of the UK’s digital banks that aims to enhance user experience, has deployed Flowable’s process automation technology to overhaul its commercial lending operations. The move represents a strategic push to deliver faster, more efficient, and highly scalable services in the competitive commercial mortgage space.
The implementation centers on Flowable’s agentic case platform, which creates a bespoke, flexible operational framework for the bank.
This replaces older, rigid off-the-shelf systems with a highly customizable architecture.
It enables Atom Bank to move beyond standard software limitations and prepares the ground for smooth integration of advanced AI capabilities, such as AI-supported underwriting, directly into everyday lending workflows.
The primary objective is to drive meaningful improvements across the full commercial lending journey, from initial application through to completion. Early results are already visible in processing speeds.
The bank has achieved reductions of up to 30% in the time between receiving an application and issuing an Agreement in Principle (AIP), with further gains expected as the system is refined.
Overall average handling times for commercial loan origination have also fallen noticeably.
Beyond speed, the new platform supports greater operational scale. Atom can now process higher volumes of loans without needing to increase headcount in line with demand.
This capability is particularly valuable during periods of market fluctuation.
At the same time, the shift to automated, fully auditable workflows reduces reliance on manual handoffs, lowering operational risk and improving consistency.
Broker partners are set to benefit directly from these changes.
Faster decision-making, greater transparency, and a more responsive service model are key outcomes.
Lending specialists can dedicate more time to complex or nuanced cases once routine administrative tasks are automated.
Brokers gain access to a secure portal that offers structured data capture tailored to lending requirements, easy login, and real-time visibility into case progress — removing much of the traditional friction in commercial property finance.
Tom Renwick, Head of Business Lending at Atom Bank, emphasized the strategic value of the upgrade.
He noted that faster transaction completion through advanced technology and smarter process design forms a core part of the bank’s competitive edge.
By freeing up team capacity through automation and focusing human expertise where it adds most value, Atom aims to deliver standout experiences that build lasting broker loyalty and support market share growth.
Renwick added that the enhanced technology allows the bank to expand lending activity without a matching rise in fixed costs.
The deployment also future-proofs Atom’s adaptable architecture, enabling quick responses to shifting broker needs and market conditions.
This technology initiative positions Atom Bank as an early adopter of next-generation tools in UK commercial lending.
With measurable time savings already in place and a foundation laid for further AI-driven enhancements, the bank is strengthening its ability to serve brokers efficiently while maintaining robust controls. As additional optimizations take effect, UK’s Atom Bank expects continued improvements in both speed and service quality across its commercial lending book.