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Total amount raised
$1.6B
Latest funding date
2026-01-12
Location
Atome, a Singapore-based digital finance platform and leading buy now, pay later (BNPL) provider in Southeast Asia, has raised substantial funding across multiple rounds backed by major global financial institutions including HSBC, Standard Chartered, DBS, BlackRock, and Lending Ark.
Keep reading to explore Atome's fundraising journey, key backers, and what the future holds for this Southeast Asian fintech leader.
What Is Atome?
Atome is a Singapore-headquartered fintech company specializing in Buy Now, Pay Later (BNPL) services and digital consumer financing. Operating across Singapore, Malaysia, the Philippines, and Indonesia, Atome allows consumers to split purchases into three interest-free payments and offers an Atome+ rewards program. It is part of Advance Intelligence Group, which is backed by SoftBank Vision Fund 2, Warburg Pincus, Northstar, and EDBI. Atome employs between 501 and 1,000 people and serves millions of consumers across Southeast Asia through its BNPL platform and Kredit Pintar lending arm.
How Much Funding Has Atome Raised?
- Debt Financing
- Amount Raised: USD 500,000,000
- Date: October 2021
- Lead Investors: Standard Chartered Bank
- Notes: A 10-year financing facility that concluded in October 2021, supporting Atome's BNPL expansion across Asia.
- Corporate Round
- Amount Raised: USD 45,000,000
- Date: July 2022
- Lead Investors: Advance Intelligence Group (parent company)
- Notes: Internal capital injection to strengthen Atome's market position and fund product development.
- Debt Financing
- Amount Raised: USD 100,000,000
- Date: August 2022
- Lead Investors: HSBC Bank Singapore
- Notes: HSBC acted as sole structuring bank, lender, and facility agent to support Atome's regional BNPL expansion across Asia.
- Debt Financing (Renewal)
- Amount Raised: USD 100,000,000
- Date: August 2023
- Lead Investors: HSBC Bank Singapore
- Notes: Renewed and expanded the prior HSBC facility to include the Philippines market and new consumer financing products.
- Corporate Round
- Amount Raised: USD 31,000,000
- Date: January 2024
- Lead Investors: Advance Intelligence Group (parent company)
- Notes: Capital raised through internal share conversions between Advance Intelligence Group and Atome.
- Debt Financing
- Amount Raised: USD 100,000,000
- Date: June 2024
- Lead Investors: EvolutionX Debt Capital
- Notes: Three-year term loan facility — EvolutionX's first fintech investment in Southeast Asia — to fund product expansion across Singapore, Malaysia, the Philippines, and Indonesia.
- Debt Financing
- Amount Raised: USD 200,000,000
- Date: November 2024
- Lead Investors: HSBC Bank Singapore (via ASEAN Growth Fund)
- Participants: DBS Bank, Sumitomo Mitsui Banking Corporation, Baiduri Bank
- Notes: Syndicated credit facility to expand BNPL, lending, and the Pay Later Anywhere card in Singapore, Malaysia, and the Philippines.
- Debt Financing
- Amount Raised: USD 80,000,000
- Date: February 2025
- Lead Investors: Undisclosed (facility expanded with new consortium members)
- Participants: BlackRock (private credit fund), InnoVen Capital, EvolutionX Debt Capital (original tranche)
- Notes: Combined with the June 2024 EvolutionX tranche, this brought the total facility to USD 80 million. Funds support growth across Southeast Asia.
- Debt Financing
- Amount Raised: USD 75,000,000
- Date: June 2025
- Lead Investors: Lending Ark Asia Secured Private Debt Fund
- Notes: Asset-backed financing facility to support Atome's lending operations and credit expansion in the Philippines.
- Debt Financing (Loan Channelling)
- Amount Raised: USD 48,000,000
- Date: September 2025
- Lead Investors: Maya Bank
- Notes: Loan channelling partnership (₱2.75 billion) enabling Maya Bank to fund Atome's consumer credit products in the Philippines.
- Debt Financing
- Amount Raised: USD 345,000,000
- Date: January 2026
- Lead Investors: HSBC Bank Singapore, DBS Bank
- Participants: Sumitomo Mitsui Banking Corporation (Singapore branch), Baiduri Bank, Cathay United Bank, Fubon Bank, Shanghai Pudong Development Bank
- Notes: Renewed and upsized syndicated debt facility (from USD 200 million in 2024) to scale BNPL, lending, and the Pay Later Anywhere card across Singapore, Malaysia, and the Philippines.
Total Amount Raised: at least USD 1,624,000,000 based on disclosed funding rounds.
Key Investors
- HSBC Bank Singapore
- Details: HSBC Bank Singapore is the Singapore subsidiary of HSBC Holdings plc, one of the world's largest banking and financial services organisations. HSBC has been Atome's most consistent financing partner, providing debt facilities in 2022, 2023, 2024 (as lead of the $200M syndicated facility via the ASEAN Growth Fund), and again in January 2026 (as structuring bank and mandated lead arranger of the $345M facility).
- Standard Chartered Bank
- Details: Standard Chartered is a British multinational bank headquartered in London, operating in 70+ countries. It provided Atome with a USD 500 million 10-year financing facility that concluded in October 2021.
- Advance Intelligence Group
- Details: Atome's parent company, Advance Intelligence Group is a Singapore-based fintech and AI conglomerate backed by SoftBank Vision Fund 2, Warburg Pincus, Northstar, and EDBI. It has injected capital into Atome directly via corporate rounds in July 2022 (USD 45M) and January 2024 (USD 31M).
- EvolutionX Debt Capital
- Details: EvolutionX is an Asia-focused debt capital provider. Its June 2024 investment in Atome was its first fintech investment in Southeast Asia, providing a three-year term loan of up to USD 100 million.
- BlackRock
- Details: BlackRock is the world's largest asset manager, headquartered in New York. Its private credit fund joined Atome's credit facility consortium in February 2025 alongside InnoVen Capital, expanding the total facility to USD 80 million.
- Lending Ark Asia Secured Private Debt Fund
- Details: Lending Ark is an Asia-focused private debt fund. In June 2025, it provided Atome with a USD 75 million asset-backed financing facility to expand credit access in the Philippines.
- DBS Bank
- Details: DBS Bank is Southeast Asia's largest bank by assets, headquartered in Singapore. DBS participated as a mandated lead arranger in both the USD 200 million facility (November 2024) and the USD 345 million facility (January 2026).
- Maya Bank
- Details: Maya Bank is a digital bank in the Philippines. In September 2025, Maya Bank entered a USD 48 million loan channelling partnership with Atome to expand credit access for Filipino consumers.
What's Next for Atome?
Atome is positioned to continue its rapid expansion across Southeast Asia, leveraging its growing loan book and profitable operations to deepen financial inclusion. With a record USD 236 million in operating income in 2024 and over USD 2 billion in annual GMV, the company is scaling its BNPL, lending, insurance, and card products across Singapore, Malaysia, the Philippines, and Indonesia. The January 2026 USD 345 million debt facility underscores strong institutional confidence and provides the capital runway to accelerate growth in underpenetrated markets.
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