Singapore – Atome has completed the refinancing and expansion of a syndicated debt facility totalling US$345m, increasing the amount from US$200m raised in 2024. The transaction strengthens the company’s funding base as it continues to scale its digital finance operations across Southeast Asia.
The enlarged facility is intended to support the growth of Atome Financial’s regional portfolio and core offerings, including buy now, pay later services, consumer lending and the Atome Pay Later Anywhere Card, across markets such as Singapore, Malaysia and the Philippines.
“We’re pleased to welcome our new lending partners and grateful for the continued support from our returning lenders,” Andy Tan, chief commercial officer at Atome, stated.
He added, “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.”
HSBC maintained its involvement in the transaction, continuing in its roles as structuring bank and mandated lead arranger and bookrunner, while DBS joined the syndicate in the same capacity.
“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,” Gilbert Ng, head of banking, corporate and institutional banking at HSBC Singapore, commented.
“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.”
Existing lenders participating in the renewed facility include Sumitomo Mitsui Banking Corporation’s (SMBC) Singapore branch, Baiduri Bank of Brunei and Cathay United Bank. Additional support was provided by new lenders Fubon Bank and Shanghai Pudong Development Bank.
“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,” Chua Shih Guan, head of digital economy group at DBS, stated.
“This also supports DBS’ commitment to creating meaningful impact across the region.”
Growth for Atome continued to accelerate through 2025, with annualised net revenue rising above US$500m alongside an annualised gross merchandise value of approximately US$6b.
