About Atome
Atome is a company based in Singapore (Singapore) founded in 2016. Atome has raised $31 million across 6 funding rounds from investors including HSBC, DBS Bank and BlackRock. Atome offers products and services including Atome App, Payment Splitting Service, and Atome+ Rewards. Atome operates in a competitive market with competitors including Klarna, Akulaku, Kredivo, Optty and hoolah, among others.
- Headquarter Singapore, Singapore
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Sectors
RetailFinancial Services
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Email
***********
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Phone
*********
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Website
*********
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Social
*********
- Legal Name Apaylater Financials Pte. Ltd.
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Annual Revenue
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Net Profit
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EBITDA
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Total Equity Funding
$31 M (USD)
in 6 rounds
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Latest Funding Round
$345 M (USD), Debt – Conventional
Jan 13, 2026
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Investors
HSBC
& 7 more
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Employee Count
Employee Count
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Products & Services of Atome
Atome offers a comprehensive portfolio of products and services, including Atome App, Payment Splitting Service, and Atome+ Rewards.
Mobile app for Buy Now Pay Later services with interest-free options.
Service to divide purchases into installments for online shopping.
Program offering cashback and rewards for partnered store transactions.
People of Atome
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Funding Insights of Atome
Atome has successfully raised a total of $31M across 6 strategic funding rounds. The most recent funding activity was a Debt – Conventional round of $345 million completed in January 2026. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding Total Funding
- Total Rounds 6
- Last Round Debt – Conventional — $345.0M
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First Round
First Round
(01 Jun 2022)
- Investors Count 8
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Jan, 2026 | Amount | Debt – Conventional - Atome | Valuation |
investors |
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| Jun, 2025 | Amount | Debt – Conventional - Atome | Valuation |
investors |
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| Feb, 2025 | Amount | Debt – Conventional - Atome | Valuation |
investors |
Investors in Atome
Atome has secured backing from 8 investors, including institutional and venture fund investors. Prominent investors backing the company include HSBC, DBS Bank and BlackRock.
| Investor | Description | Founded Year | Domain | Location |
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Venture debt financing is extended to companies across multiple sectors.
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Founded Year | Domain | Location | |
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Private debt fund focused on growth-stage technology companies
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Founded Year | Domain | Location | |
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An investment platform is provided for diverse sectors and geographies.
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Founded Year | Domain | Location |
Investments & Acquisitions by Atome
Financial Statements - Atome
Atome Comparisons
Competitors of Atome
Atome operates in a dynamic and competitive business environment, facing competition from various established players and emerging companies in the market. The competitive landscape includes prominent companies such as Klarna, Akulaku, Kredivo, Optty and hoolah, among others.
| Company Name | Domain | Founded year | HQ Location | Description |
|---|---|---|---|---|
| domain | founded_year | HQ Location |
Point-of-sale financing is facilitated through an online platform for purchases.
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| domain | founded_year | HQ Location |
Point-of-sale financing is provided for various consumer products via installments.
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| domain | founded_year | HQ Location |
App-based platform for purchase financing and instalment payments is provided.
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| domain | founded_year | HQ Location |
Point-of-sale financing software is offered to businesses via cloud APIs.
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| domain | founded_year | HQ Location |
Online purchases on e-commerce sites are financed through monthly EMIs.
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Frequently Asked Questions about Atome
Atome was founded in 2016 and raised its 1st funding round 6 years after it was founded.
Atome is headquartered in Singapore, Singapore.
Wawan Salum is the current CEO of Atome.
Atome is a funded company, having raised a total of $31M across 6 funding rounds to date. The company's 1st funding round was a Debt – Conventional of $80M, raised on Jun 01, 2022.
Atome was founded in 2016 in Singapore and operates within the fintech and e-commerce sectors. An online marketplace is provided for various product categories, including beauty, fashion, home decor, baby care, and electronics. Buy-now-pay-later options and consumer financing solutions are offered to users. The platform is accessible via mobile applications on Android and iOS devices, serving customers primarily in the Asia-Pacific region.
Atome offers Atome App, Payment Splitting Service, and Atome+ Rewards.
Atome has 8 investors. Key investors include HSBC, DBS Bank, BlackRock, Temasek, and Advance Intelligence Group.