Zilch has raised over USD 175 million in a combination of debt and equity financing, with the round led by KKCG and participation from BNF Capital alongside other strategic investors.
The capital raise also includes the expansion of Zilch’s securitisation program, managed by Deutsche Bank, strengthening the company’s financial foundation for its next phase of growth.
This funding comes as Zilch launches two of its most significant products to date. The first, Intelligent Commerce, is an AI-driven platform that leverages live engagement data to provide merchants with real-time insights into customer behaviour. This addresses the rapidly evolving Agentic Commerce landscape and has quickly become one of the company’s fastest-growing revenue streams. The second product, Zilch Pay, scheduled for release in the first half of 2026, is designed to capture a larger share of consumer spending. The platform aims to improve the customer experience through a simplified, one-click checkout process, making it easier for consumers to complete purchases.
Zilch’s plans for the funding
The newly secured funds will be allocated to multiple strategic initiatives, including increased marketing to improve brand visibility, further product development and platform improvements, and the exploration of strategic mergers and acquisitions.
KKCG, the lead investor, highlights the strategic alignment between Zilch’s technological approach and its mission to transform the consumer credit landscape. By leveraging AI and real-time analytics, Zilch delivers tangible financial and operational benefits to both merchants and consumers.
History of Zilch’s funding rounds
Zilch has built a substantial capital base through multiple funding rounds. Early backing from investors such as Gauss Ventures and M&F Fund helped the company scale its direct-to-consumer BNPL model, offering instalments at any merchant that accepts Mastercard and enabling Tap-and-Pay-over-time through digital wallets.
A major milestone came with Zilch’s Series B funding, led by Goldman Sachs Asset Management and DMG Ventures. This round supported plans to expand into the US and coincided with the company surpassing 700,000 customers. During this period, Zilch became the first UK BNPL provider to receive full consumer credit authorisation from the FCA after participating in its regulatory sandbox.
The subsequent extension of the Series B brought total financing above USD 460 million and strengthened Zilch’s ability to scale internationally, particularly in the US, where it launched operations in Miami with more than 150,000 pre-registered customers.
Zilch has also diversified its funding strategy by entering the securitisation market with support from Deutsche Bank, allowing it to improve capital efficiency and set a foundation for future debt issuances. To date, the company has processed over USD 3.29 billion in transactions and delivered more than USD 592 million in customer savings, reinforcing its focus on reducing the cost of consumer credit.
