Digital finance platform Atome said Tuesday it secured an upsized $345 million syndicated debt facility to accelerate its expansion across Southeast Asia.
The funding marks a significant increase from the $200 million it secured in 2024. HSBC reprised its role as structuring bank and mandated lead arranger and bookrunner (MLAB), while DBS joined the facility as an MLAB.
The expanded credit line will support Atome’s regional portfolio and products including buy now pay later services, digital lending, insurance and the Atome Card in Singapore, Malaysia and the Philippines.
Other returning lenders included Sumitomo Mitsui Banking Corp. Singapore branch, Brunei’s Baiduri Bank and Cathay United Bank. Fubon Bank and Shanghai Pudong Development Bank joined as new participants in the facility.
The company reported that growth momentum accelerated throughout 2025, with annualized net revenue surpassing $500 million and annualized gross merchandise volume reaching $6 billion.
In December 2025, the company recorded its strongest monthly gross merchandise volume on record, representing a more than 70 percent year-on-year increase from December 2024.
Atome financial chief commercial officer Andy Tan said the facility grew significantly within a year and positions the company to support a profitable loan book while scaling flexible credit solutions for merchants and consumers.
In its audited 2024 financial performance, Atome Financial said operating income rose 63 percent year-on-year to $236 million.
The group processed over $2 billion in gross merchandise volume in 2024, an increase of 50 percent from the previous year.
HSBC Singapore head of banking, corporate and institutional banking Gilbert Ng said the partnership reflects the bank’s commitment to supporting businesses through its global network and capital strength.
DBS head of digital economy group Chua Shih Guan said the bank is pleased to support Atome’s efforts to scale transparent credit solutions for underserved consumers in Southeast Asia within a robust risk framework.
Atome is part of the Singapore-headquartered Advance Intelligence Group. The group is backed by investors including SoftBank Vision Fund 2, Warburg Pincus, Northstar and EDBI.
The firm’s expansion in the Philippines continues to target the digital lending market, where transaction values are often denominated in pesos, such as P5,000 or P10,000 for consumer credit lines.
