Digital finance platform Atome has secured a renewed and expanded $345 million syndicated debt facility, up from $200 million raised in 2024.
HSBC continued its role as structuring bank and mandated lead arranger and bookrunner, while DBS joined the facility as a mandated lead arranger and bookrunner. Other returning lenders include Sumitomo Mitsui Banking Corp. Singapore branch, Baiduri Bank of Brunei, and Cathay United Bank. New lenders include Fubon Bank and Shanghai Pudong Development Bank.
Atome said the larger facility will support the growth of its products across Singapore, Malaysia, and the Philippines. These include buy now, pay later (BNPL), digital lending, insurance, and the Atome Pay Later Anywhere Card.
“We’re pleased to welcome our new lending partners and grateful for the continued support from our returning lenders. This facility has grown significantly within a year. We’re now even better positioned to support a rapidly growing, healthy and profitable loan book, while scaling transparent and flexible credit solutions to serve both merchants and consumers,” said Andy Tan, chief commercial officer of Atome.
“At HSBC, we support businesses by leveraging our global network, deep sector expertise, and capital strength,” said Gilbert Ng, head of banking, corporate and institutional banking of HSBC Singapore.
In its audited financial results for FY2024, Atome Financial reported a 63% year-on-year increase in operating income to $236 million. The group, which includes Atome’s BNPL platform, the Atome PayLater Anywhere Card, and Kredit Pintar, processed more than $2 billion in gross merchandise value (GMV) in 2024, up 50% from a year earlier.
“Atome continues to successfully leverage technology to scale accessible, transparent, and flexible credit solutions for underserved consumers in Southeast Asia within a robust risk framework, supporting DBS’ commitment to creating meaningful impact across the region,” said Chua Shih Guan, head of digital economy group of DBS.
Atome said growth continued in 2025, with annualized net revenue exceeding $500 million and annualized GMV reaching $6 billion. In December 2025, the company recorded its highest monthly GMV to date, more than 70% higher than in December 2024.