Atome, Southeast Asia’s leading digital finance platform, has announced the successful closure of a US$345m upsized syndicated debt facility, a substantial increase from the US$200m secured in 2024. This facility, supported by HSBC as Structuring Bank and Mandated Lead Arranger and Bookrunner, with DBS joining as a new Mandated Lead Arranger and Bookrunner, aims to accelerate Atome’s growth across key Southeast Asian markets including Singapore, Malaysia, and the Philippines.
The expanded facility will bolster Atome Financial’s regional portfolio and products such as its Buy Now Pay Later (BNPL) lending and the Atome Pay Later Anywhere Card. New lenders Fubon Bank and Shanghai Pudong Development Bank have joined existing partners like Sumitomo Mitsui Banking Corporation, Baiduri Bank, and Cathay United Bank in this financial endeavour.
Andy Tan, Chief Commercial Officer at Atome, expressed gratitude for the support from both new and returning lenders, stating, “This facility has grown significantly within a year. We’re now even better positioned to support a rapidly growing, healthy, and profitable loan book whilst scaling transparent and flexible credit solutions.”
Atome’s financial performance in FY2024 showed a 63% year-on-year increase in operating income to US$236m, with a 50% rise in gross merchandise value (GMV) to over US$2b. The growth momentum continued in 2025, with annualised net revenue surpassing US$500m and GMV reaching US$6b.
Atome, part of the Singapore-headquartered Advance Intelligence Group, continues to expand its services, backed by investors such as SoftBank Vision Fund 2 and Warburg Pincus.
