Singapore-based digital finance platform Atome has achieved a significant milestone by securing a $345 million syndicated debt facility, marking a substantial increase from the $200 million obtained in 2024.
This upsized funding, announced on January 13, 2026, is set to accelerate Atome’s expansion across Southeast Asia, focusing on key markets such as Singapore, Malaysia, and the Philippines.
Driving Financial Inclusion in Southeast Asia
Atome, a leader in the buy-now-pay-later (BNPL) and digital lending sectors, aims to deepen its footprint in a region with a rapidly growing demand for accessible financial services.
The renewed debt facility, supported by prominent lenders like HSBC, DBS, and Sumitomo Mitsui Banking Corp., reflects strong confidence in Atome’s business model and growth potential.
A History of Innovation and Growth
Founded as part of Advance Intelligence Group, Atome has quickly risen as a key player in the region’s fintech landscape since its inception, capitalizing on the digital payment boom.
The company’s focus on flexible payment solutions like BNPL and its Pay Later Anywhere Card has resonated with millions of consumers, particularly in underserved markets.
Economic Impact on the Region
This $345 million injection is expected to create ripple effects, boosting local economies by enhancing access to credit and supporting small-to-medium enterprises through partnerships.
By expanding its portfolio of financial products, Atome is poised to play a pivotal role in driving financial inclusion across Southeast Asia, a region where many still lack traditional banking services.
Future Prospects and Challenges
Looking ahead, Atome’s expansion could reshape the competitive landscape of digital finance, challenging established players while navigating regulatory complexities in diverse markets.
Analysts predict that sustained growth in digital lending and BNPL services will be crucial for Atome to maintain its momentum amid rising interest rates and economic uncertainties.
Ultimately, this debt facility underscores Atome’s ambition to become a regional fintech powerhouse, with potential plans to explore additional markets beyond its current focus.
Andrew Lee
