Insider Spotlight
The company announced on Jan. 13, 2026 that it has secured a renewed and upsized $345 million syndicated debt facility, giving it more firepower to scale lending and payments across the region.
Why it matters
In a tougher funding environment where investors and lenders are prioritizing sustainability over speed, upsizing a facility within a year signals strong lender confidence.
For Atome, the additional capital supports its push to grow profitably while expanding access to credit for everyday consumers.
The Philippines angle
Atome’s expansion has direct implications for Filipino consumers. The Atome PayLater Anywhere Card has surpassed two million issued cards in the Philippines, with up to 80 percent held by first-time cardholders using it for essentials such as groceries, utilities, and telco bills.
Adoption extends beyond Metro Manila into Luzon, Visayas, and Mindanao, underscoring nationwide reach.
Beyond cards, Atome has expanded into loans, savings, and insurance, broadening access to basic financial services that were previously out of reach for many unbanked and underbanked Filipinos.
What’s new
HSBC continues its support of Atome, reprising its roles as structuring bank and mandated lead arranger and bookrunner. DBS joins the facility as a mandated lead arranger and bookrunner, strengthening the lender base.
Other returning lenders include SMBC Singapore branch, Brunei’s Baiduri Bank, and Cathay United Bank, while Fubon Bank and Shanghai Pudong Development Bank join as new participants.
According to a press release from the company, the expanded facility will accelerate the growth of Atome’s profitable regional portfolio, including buy now pay later, digital lending, insurance, and the Atome PayLater Anywhere Card, with a focus on Singapore, Malaysia, and the Philippines.
“We’re pleased to welcome our new lending partners and grateful for the continued support from our returning lenders,” said Andy Tan, chief commercial officer at Atome.
“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 said the transaction reflects its long-standing partnership with Atome, while DBS highlighted the fintech’s ability to scale accessible and responsible credit solutions within a robust risk framework.
By the numbers
Atome Financial reported FY2024 operating income of $236 million, up 63 percent year on year, while GMV exceeded $2 billion, a 50-percent increase.
Growth accelerated through 2025, with annualised net revenue surpassing $500 million on the back of $6 billion in annualized GMV. December 2025 marked its strongest monthly GMV on record, up more than 70 percent from a year earlier. —Princess Daisy C. Ominga | Ed: Corrie S. Narisma
