Atome has secured a renewed and upsized $345 million syndicated debt facility, strengthening its firepower as it accelerates growth across Southeast Asia’s digital finance market.

The facility marks a significant jump from the $200 million Atome raised in 2024 and underscores continued lender confidence in the platform’s expanding portfolio and profitability.

HSBC continued its backing of Atome, reprising its role as Structuring Bank and Mandated Lead Arranger and Bookrunner, with DBS joining as an MLAB. Returning lenders also include Sumitomo Mitsui Banking Corporation Singapore branch, Baiduri Bank and Cathay United Bank, while new participants include Fubon Bank and Shanghai Pudong Development Bank.

The expanded funding will support Atome’s rollout of products such as buy now, pay later (BNPL), digital lending, insurance offerings, and the Atome Pay Later Anywhere Card across key markets including Singapore, Malaysia, and the Philippines.

“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 at Atome.

“At HSBC, we support businesses by leveraging our global network, deep sector expertise, and capital strength. Our long-standing partnership with Atome reflects this commitment. We appreciate their continued trust and the opportunity to support them on this milestone transaction. We look forward to more shared successes in the years to come,” said Gilbert Ng, Head of Banking, Corporate and Institutional Banking, HSBC Singapore.

“DBS is pleased to support Atome as Mandated Lead Arranger and Bookrunner, reaffirming our commitment to catalysing innovative and responsible growth in the digital economy. 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, DBS.

Atome’s momentum has been building rapidly. In its last audited FY2024 results, Atome Financial reported a 63 percent year-on-year increase in operating income to $236 million, while gross merchandise value (GMV) rose 50 percent to more than $2 billion.

Growth accelerated further in 2025, with annualised net revenue exceeding $500 million and GMV reaching $6 billion. The company capped the year with its strongest monthly GMV on record in December 2025, posting more than 70 percent year-on-year growth.