Zilch has secured more than $175 million in new debt and equity financing as the London-based payments company prepares for its next stage of expansion. The raise, backed by KKCG, BNF Capital, and other investors, also extends the company’s existing securitization with Deutsche Bank. The funding arrives shortly after Zilch introduced two major products: Intelligent Commerce, an AI-driven analytics platform built from real-time engagement data, and Zilch Pay, a one-click checkout tool scheduled for rollout in 2026. Both offerings signal the company’s effort to move deeper into the commerce and payments infrastructure businesses, broadening beyond consumer credit alternatives.
The company plans to use the new capital to increase brand visibility, accelerate product development, strengthen its platform, and evaluate acquisition opportunities. Zilch says its model has resonated with consumers and merchants, reporting more than 5.3 million registered users and over £5 billion in processed transactions since launching in 2020. Leadership sees the latest raise as validation of its strategy during a period when capital has become harder to secure, pointing to customer engagement and diversified revenue lines as key drivers of investor interest.
