Editor's note: This brief was summarised by The Property AI Newsroom from a report by Mortgage Solutions. Read the original article for full details.

Atom Bank Adopts Flowable Automation Engine for Commercial Lending

Atom Bank has implemented the Flowable process automation engine as a core technology initiative in its commercial lending operations. The bank states this move is designed to improve speed, efficiency, and scalability, with a focus on integrating advanced artificial intelligence (AI) utilities.

Flowable’s agentic case platform establishes a custom architecture across Atom Bank’s operations. According to Atom Bank, this platform reduces target origination times and positions the bank at the forefront of AI-ready lending infrastructure. The bank reports that AI utilities, such as AI-augmented underwriting, will be integrated directly into its workflow.

Atom Bank highlights that the adoption of Flowable has led to a reduction in average handling time (AHT) across commercial loan origination, including up to 30% between application and agreement in principle (AIP). The bank expects further reductions over time. Additionally, the transition has increased processing capacity, enabling Atom Bank to scale loan volumes and manage peak market flow. Manual hand-offs have been replaced with fully audited and automated workflows, which the bank says helps mitigate operational risk.

For brokers, the platform provides a secure portal with structured and intelligent information capture tailored to core decision requirements. Atom Bank states that brokers benefit from seamless log-in facilities and real-time case tracking, which removes friction often associated with commercial property financing. The bank claims this results in faster processing times, increased case transparency, and a highly responsive service model. By automating administrative tasks, Atom Bank’s lending specialists can dedicate more time to complex case management.

This development is relevant to UK letting agents and inventory clerks as it signals ongoing technological advancements in commercial property finance, potentially impacting transaction speed and transparency in the sector.