Commercial cases tend to be more complex than residential ones. Complications can cause problematic delays and hold ups. So what should brokers bear in mind when submitting an application in order to get their cases through as smoothly as possible?
There’s No Such Thing as Too Much Information
Our goal with the portal is to make things as fast and straightforward as possible when submitting commercial cases. It\’s designed to ask for the most relevant information clearly. However, because commercial deals can be unique, there will often be additional details that help us make the right decision but aren\’t specifically asked.
It’s important to see portal questions as a starting point, rather than the full extent of what a lender may need to know. For example, if a property\’s lease is ending, any insight you can offer into future plans is really valuable.
Ultimately there is no such thing as too much information. If the lender has everything they could need upfront, you’ll have a better chance of getting a quick answer.
Communication Is Key
Good communication really is the backbone of a smooth application. It starts with you having a clear conversation with your client to get all the necessary information about their case. The clearer you are when you then share those details with us, the better the chances of everything progressing nicely. But it\’s definitely a two-way street.
Our BDMs are here to help you with any queries you might have, and to keep things moving forward. If there are deadlines to meet for sharing information, being open with us about any potential challenges is so important. If you keep us in the loop, we can work through things together.
Working Together for Better Outcomes
We all know that every lender operates a little differently. Some might have a more standardised approach, while others – like us – really try to look at each case individually. For example, offering bespoke pricing, even if it sometimes means we need to ask for a bit more information to get it right.
It\’s not just about finding a lender who can support your commercial clients, but also one who\’s constantly improving their processes to get the best results for both you and your borrowers.
David Castling, Head of Intermediary Distribution, Atom bank
About Atom bank
Atom bank is a specialist digital lender offering flexible, relationship-led solutions for commercial finance brokers and their clients. With a focus on speed, transparency and tailored pricing, we combine cutting-edge tech with expert BDM support to deliver smooth, responsive lending experiences. Whether it’s bespoke commercial mortgages or streamlined applications, we’re here to help brokers get deals over the line.
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About Fiducia Commercial Network
Fiducia Commercial Network is a commercial finance \’Appointed Representative\’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.
Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.
The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years\’ experience in commercial finance.
If you\’d like to discuss joining Fiducia Commercial Network or you\’d like to apply to become an Appointed Representative…
To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.
For all media and marketing enquiries contact – pr@fiduciagroup.co.uk
