Founded in 2020, Zilch provides a BNPL card that allows users to pay via debit or credit and settle balances in interest-free instalments, with merchant advertising subsidies offsetting consumer costs. The company competes with Klarna and Clearpay in the UK consumer lending market. Zilch reports a customer base of more than 5 million and has previously been valued at roughly £1.5 billion. Its platform combines payments and marketing, giving merchants a channel to reach customers while offering shoppers flexible credit. The firm’s near-term priorities include ramping up marketing campaigns, advancing product development, and pursuing strategic acquisitions. Investors such as Goldman Sachs and eBay have backed the company in earlier rounds. Management claims the latest funding reinforces confidence in its strategy and ability to scale rapidly.

Total raised

$649M

Funding rounds

10

Latest round

Equity

Latest activity

Nov 2025