Zilch
Zilch is a company based in United Kingdom. Builders in Fintech has recorded 7 equity rounds for Zilch, most recently a round of $175M on 13 November 2025.
Shop online or in-store with your virtual Zilch card. Pay now and earn Rewards or split the cost over 6 weeks or 3 months.
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- FCA · Consumer credit · Authorised
- FCA · Payment institution · Authorised
- $405M + €142.9M
- Debt facility · £165M · 10 November 2026 · led by Deutsche Bank
Timeline
Debt facility · Debt · £165M · Deutsche Bank (lead)
IPO · IPO
Late-stage round · $175M · KKCG (lead), BNF Capital
Debt facility · Debt · £30M
Securitisation · Debt · $150M · Deutsche Bank
Debt financing · Debt · £100M · Deutsche Bank (lead)
Series C · €47.9M
Series C · €95M · Ventura Capital (lead), Cazoo, Gauss Ventures
Unspecified · $110M · DMG Ventures, Goldman Sachs Asset Management
Series B · $80M · the United States
Series B · $30M · Gauss Ventures, Supermarket Simon Nixon
Unspecified · $10M
People
Current
- Philip Belamant — CEO and co-founder
- Hugh Courtney — CFO
All funding rounds in the database
Product
Pay-in-4 or pay-in-1 with cashback through a virtual Mastercard
Consumer credit and BNPL
Markets: United Kingdom, United States
Zilch is a consumer payments app built around a virtual Mastercard that can be used anywhere the card network is accepted, online or in store through a mobile wallet. Shoppers choose at checkout between paying in full and earning 2% back in Zilch Rewards, or splitting the purchase into four instalments over six weeks with 25% (or in some plans 50%) paid upfront. At participating retailers the instalment option carries 0% APR and no fees; at other merchants a transaction fee may apply through Zilch Anywhere. The app includes budgeting controls, a merchant directory and a rewards balance. Zilch operates in the UK, where its credit is subject to status and limited to residents aged 18 or over, and has a US offering.
Agent-Ready 1/5
- Discoverable — Can an agent find and read it?Not found on 3 November 2026
- Documented — Can it understand the API without a login?Not found on 3 November 2026
- Testable — Can it try the API without a sales call?Not found on 3 November 2026
- Connectable — Can it connect directly (MCP)?Not found on 3 November 2026
- Trusted — Can it see who runs it securely?Found
Description from the company website · Source
Licences & registrations
ZILCH TECHNOLOGY LIMITED
Consumer credit · FCA · United Kingdom
ZILCH TECHNOLOGY LIMITED
Payment institution · FCA · United Kingdom
From public registers as of the last-checked date. Always confirm on the regulator's register before relying on it.
In the news
- Zilch secures Deutsche Bank-led £165m debt facility (opens in a new tab)
- Zilch expands debt facilities to £395m in round led by Deutsche Bank (opens in a new tab)
- Zilch sees revenues uplift but losses increase (opens in a new tab)
- Zilch FY2026 results: Revenue grows 36% as FinTech expands beyond BNPL (opens in a new tab)
- Intel, Oracle, IBM join growing list of firms objecting to OKX–ICE tokenized stock plans (opens in a new tab)
Headlines from third-party publications, matched automatically. Links go to the original source.