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Zilch operates a direct-to-consumer payments network, offering flexible financing. Its core Buy Now Pay Later product enables individuals to split purchases into interest-free installments over six weeks, with no fees. The platform integrates online and in-store. Zilch is regulated by the UK's Financial Conduct Authority, ensuring a compliant, responsible financial product.
Founded in 2018 by Philip Belamant, Serge Belamant, and Sean O’Connor, Zilch emerged from a need for transparent, accessible short-term credit. The founders sought regulated, interest-free payment options, empowering consumers with control. Zilch officially launched its UK consumer service in September 2020, following authorization.
Zilch primarily serves consumers seeking adaptable payment solutions for retail purchases. The company’s vision is to redefine credit: transparent, universally accessible, and always interest-free. It empowers customers with financial control, expanding payment flexibility across a growing merchant ecosystem.
Zilch has raised $649.1M across 11 funding rounds.
Zilch has raised $649.1M in total across 11 funding rounds.
Zilch is valued at approximately $20.0M.
Zilch operates a direct-to-consumer payments network, offering flexible financing. Its core Buy Now Pay Later product enables individuals to split purchases into interest-free installments over six weeks, with no fees. The platform integrates online and in-store. Zilch is regulated by the UK's Financial Conduct Authority, ensuring a compliant, responsible financial product.
Founded in 2018 by Philip Belamant, Serge Belamant, and Sean O’Connor, Zilch emerged from a need for transparent, accessible short-term credit. The founders sought regulated, interest-free payment options, empowering consumers with control. Zilch officially launched its UK consumer service in September 2020, following authorization.
Zilch primarily serves consumers seeking adaptable payment solutions for retail purchases. The company’s vision is to redefine credit: transparent, universally accessible, and always interest-free. It empowers customers with financial control, expanding payment flexibility across a growing merchant ecosystem.
Zilch has raised $649.1M in total across 11 funding rounds.
Zilch is valued at approximately $20.0M.
Zilch's investors include Karel Komarek, BNF Capital, Deutsche Bank, KKCG, DMG Ventures, Goldman Sachs, Gauss Ventures, M&F Fund, Simon Nixon.
Zilch has raised $649.1M across 11 funding rounds. Most recently, it raised $175.0M Other Equity in November 2025.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Nov 13, 2025 | $175.0M Other Equity | Karel Komarek | BNF Capital |
| Oct 28, 2024 | $67.1M Debt | Deutsche Bank | |
| Jun 19, 2024 | $127.0M Debt | ||
| Jun 30, 2022 | $50.0M Series C Extension | ||
| Nov 1, 2021 | Sword Health Valuation 2021-11-01 | KKCG, Karel Komarek | |
| Nov 1, 2021 | Mynt Valuation 2021-11-01 | KKCG, Karel Komarek | |
| Nov 1, 2021 | Zilch Valuation 2021-11-01 | KKCG, Karel Komarek | |
| Jul 23, 2021 | $110.0M Series B Extension | DMG Ventures, Goldman Sachs | |
| Apr 19, 2021 | $80.0M Series B | Gauss Ventures, M&F Fund | |
| Dec 16, 2020 | $30.0M Pre-Series B | Gauss Ventures, Simon Nixon | |
| Sep 3, 2020 | $10.0M Other Equity |