Singapore-based digital finance platform Atome has announced the successful close of the renewal and upsized $345 million syndicated debt facility, a significant increase from the $200 million secured in 2024.
The firm said in a statement on Tuesday that HSBC continues to support Atome as Structuring Bank and Mandated Lead Arranger and Bookrunner (MLAB), with DBS joining as MLAB.
Other returning lenders include Sumitomo Mitsui Banking Corporation, Singapore branch; Brunei’s Baiduri Bank; and Cathay United Bank, while new participants include Fubon Bank and Shanghai Pudong Development Bank.
The expanded facility will accelerate the growth of Atome’s regional portfolio and products, including buy now pay later (BNPL), digital lending, insurance, and the Atome (Pay Later Anywhere) Card across Singapore, Malaysia, and the Philippines.
“We’re pleased to welcome new lending partners and are grateful for the continued support from returning banks. This facility has grown significantly within a year, positioning us to scale a healthy, profitable loan book while expanding transparent and flexible credit solutions for merchants and consumers,” said Andy Tan, chief commercial officer at Atome.
Meanwhile, Gilbert Ng, head of Banking, Corporate and Institutional Banking, HSBC Singapore, said at HSBC, they support businesses through our global network, deep sector expertise, and capital strength.
“Our long-standing partnership with Atome reflects this commitment, and we look forward to more shared successes,” he added.
Chua Shih Guan, head of Digital Economy Group, DBS, said DBS is proud to support Atome as MLAB, reaffirming their commitment to catalyzing responsible growth in the digital economy.
“Atome leverages technology to scale accessible, transparent credit solutions for underserved consumers within a robust risk framework,” he added.
Atome claims that in FY2024, Atome Financial — comprising Atome’s BNPL platform, the Atome PayLater Anywhere Card, and Kredit Pintar — reported operating income of $236 million, up 63 percent year-on-year, and processed over $2 billion in gross merchandise value (GMV), up 50 percent from 2023.
It added that growth accelerated throughout 2025, with annualized net revenue surpassing $500 million and annualised GMV reaching $6 billion.
Momentum peaked in December 2025, when Atome Financial recorded its strongest monthly GMV to date, up more than 70 percent year-on-year.