This investment comes on the heels of two major product launches that have significantly strengthened Zilch’s value to both merchants and consumers. Intelligent Commerce, the company’s AI-powered insights platform, transforms live engagement data into real-time intelligence, supporting brands in an era defined by Agentic Commerce. It has quickly become one of Zilch’s fastest-growing revenue streams.
Additionally, Zilch Pay, set to launch in the first half of 2026, is designed to capture a deeper share of consumers’ spending. The new feature will offer a seamless one-click checkout experience for Zilch users, enhancing convenience and improving the merchant experience.
With this latest capital infusion, Zilch plans to amplify global growth by increasing brand visibility through expanded ATL marketing, accelerating product innovation, enhancing platform capabilities, and exploring strategic M&A opportunities.
Since its launch in 2020, Zilch has been committed to eliminating high-cost credit and building a payment ecosystem that genuinely benefits consumers. This mission has resonated across markets, helping Zilch grow to more than 5.3 million customers—many of whom use the platform nearly 60 times per year, with top users tapping it daily. Zilch connects these customers to thousands of major retailers, including Amazon, eBay, Tesco, and Sports Direct, enabling merchants to acquire customers more efficiently while boosting sales. To date, Zilch has processed over £5 billion in commerce.
“In just five years, we have transformed the relationship between brands and customers by delivering a payments model that benefits both sides,” said Philip Belamant, CEO and Co-Founder of Zilch. “This funding demonstrates strong belief in our strategy, our team, and our execution. With newly launched products already contributing exceptional growth, and the backing of top-tier investors, we’re ready for our next phase of expansion. In a challenging funding environment, the network and leadership of my co-founder, Sean O’Connor, played an instrumental role in achieving this milestone. We’re incredibly optimistic about what comes next.”
Hugh Courtney, Chief Financial Officer, added: “At a time when many investors remain highly selective, attracting world-class capital reflects the strength and resilience of Zilch’s business. Our diversified revenue streams, high customer engagement, and commitment to future-proof innovation continue to fuel rapid growth. We look forward to working closely with our shareholders to eliminate high-cost credit and reshape the economics of commerce.”
Karel Komarek Jr., CEO of KKCG US Advisory, commented: “KKCG is dedicated to uncovering innovative solutions in established industries and creating sustainable value. Zilch’s track record shows that its technology-driven approach to reinventing credit delivers clear benefits to both consumers and businesses. We’re excited to support the next stage of their journey.”
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