Zilch, the innovative consumer payments platform redefining how people shop and pay, has successfully raised over $176.7 million in a mix of debt and equity funding. The round, led by KKCG with participation from BNF Capital and other strategic investors, also expands Zilch’s securitization program in partnership with Deutsche Bank.
This major funding milestone comes on the heels of two groundbreaking product launches Intelligent Commerce and Zilch Pay marking a new chapter in the company’s rapid growth.
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Intelligent Commerce, Zilch’s new AI-driven platform, is already one of its fastest-growing revenue streams. It uses real-time engagement data to provide merchants with deep insights into customer behavior, helping them boost conversions and efficiency. Meanwhile, Zilch Pay, set to roll out in the first half of 2026, will offer consumers a seamless one-click checkout experience, strengthening Zilch’s position in the evolving world of digital payments.
The newly raised funds will accelerate Zilch’s mission to shape the future of global commerce. The company plans to invest heavily in marketing, enhance its platform capabilities, develop new products, and explore strategic mergers and acquisitions.
Since its launch in 2020, Zilch has built one of the most engaged user bases in the fintech world. With over 5.3 million customers many using Zilch for everyday purchases the company has processed more than £5 billion in commerce to date. By partnering with major retailers like Amazon, eBay, Tesco, and Sports Direct, Zilch helps merchants reach consumers more effectively while rewarding users for their spending activity.
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“In just five years, we’ve rewired the relationship between brands and customers,” said Philip Belamant, CEO and Co-Founder of Zilch. “This funding is a strong vote of confidence in our team and strategy. Our newly launched products are already driving remarkable growth, and with the backing of world-class investors, we’re ready for the next phase of expansion.”
Hugh Courtney, Chief Financial Officer, added: “Attracting such prestigious investors in today’s cautious funding environment speaks volumes about the strength of our business model. Our diversified revenue streams, future-proof innovation, and loyal customer base are the foundation of our success.”
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Echoing this sentiment, Karel Komarek Jr., CEO of KKCG US Advisory, stated: “Zilch exemplifies how technology can disrupt traditional systems and create sustainable value. We’re proud to support their journey as they continue transforming the economics of commerce.”
As Zilch continues to expand globally, its focus remains clear: to eliminate high-cost credit and create a payment ecosystem that benefits both consumers and businesses alike.
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