Singapore-based Atome, part of Advance Intelligence Group, has raised $345 million through an upsized syndicated debt facility, up from $200 million secured in 2024.
The financing will be used to expand Atome’s profitable operations and products across Southeast Asia, including Singapore, Malaysia and the Philippines. Its offerings include buy now, pay later services, digital lending, insurance and the Atome pay later anywhere card.
HSBC served as structuring bank, mandated lead arranger and bookrunner, alongside DBS. Returning lenders include Sumitomo Mitsui Banking Corp.’s Singapore branch, Baiduri Bank and Cathay United Bank. New lenders include Fubon Bank and Shanghai Pudong Development Bank.
Atome Financial reported a 63 percent rise in operating income to $236 million in 2024, while gross merchandise value grew 50 percent year-on-year to more than $2 billion. In 2025, annualised net revenue exceeded $500 million, supported by annualised GMV of $6 billion, with December marking its strongest monthly performance on record.
