Zilch

Zilch

Financial Services

London, England 28,615 followers

Creating the most empowering way to pay for anything, anywhere.

About us

Zilch's vision is to eliminate the high cost of consumer credit. For good.

Website
https://payzilch.com
Industry
Financial Services
Company size
201-500 employees
Headquarters
London, England
Type
Privately Held
Founded
2018
Specialties
Fintech, Payments, Shopping, Retail, Financial Services, Online Payments, AdTech, and Advertising

Locations

  • Primary

    111 Buckingham Palace Road

    London, England SW1W 0SR, GB

    Get directions

Employees at Zilch

Updates

  • View organization page for Zilch, graphic

    28,615 followers

    We’re closing another year on a high with two huge wins! Zilch has been named the UK’s ‘Fastest Growing Financial Services Firm’ and London’s ‘Fastest Growing Firm’ at the UK Fast Growth Index Awards, in partnership with UBS. 🚀 As a brand with millions of customers in regions all across the UK, it was great to be part of this annual celebration of British talent. The UK’s 350 fastest-growing private businesses are an economic force that have driven over £15 billion in turnover to the UK economy, alongside creating an extra 24,000 jobs in the last two years. These brands are a true testament to the power of innovation, teamwork, and ambition. 🇬🇧 A huge thank you to our #Zilch team, partners, and the trust of our customers - you made this possible! 💚 Congratulations to all the winners, on behalf of Zilch, our EXCO members, Desmond McNamara and Ryan M. were proud to collect these awards 🏆🏆 See comments for the full list 👇👇 #Fintech #Payments #Growth #UKEconomy #UBS

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  • View organization page for Zilch, graphic

    28,615 followers

    ✨ It’s the most wonderful time of the year, and amidst the excitement of the peak shopping season, we took a moment to come together and celebrate at the annual Zilch #Christmas Party! 🎄💚 One of the highlights was our #Zilch #Awards, where we proudly recognised team members who have truly gone above and beyond this year for our business, customers and merchant partners. Huge congratulations to this year’s winners Rocharne Brady 🏆 Alfie Cleveland 🏆 Elliot Cowan 🏆 and Sam Whittaker🏆👏 Talking of amazing people, we were also honoured to welcome the incredible Ann Daniels as our guest speaker. As one of the first women to reach both the North and South Poles with an all-women team, Ann Daniels inspired us with her compelling story of overcoming obstacles and breaking boundaries even when it looks like there is no way forward - a spirit we see echoed in our own teams as they continue to pioneer groundbreaking ways to innovate #fintech as a force for good💡 To all our amazing partners, customers, and team Merry Christmas! We’re so excited to see what 2025 brings! 🎁

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  • View organization page for Zilch, graphic

    28,615 followers

    🎉 A Green Friday to remember! 🎉 This year, Zilch and our amazing retailer partners hit a new milestone, with a staggering 116% year-on-year increase in new commerce across our retail network. 🚀 A huge thank you and well done to all our partners who made this achievement possible! Interestingly, it wasn’t just all about tech this year - categories like travel, health and beauty all climbed higher on shoppers' wish lists, showcasing the evolution of this major shopping event into different categories. "On Black Friday, Zilch delivered a 116% year-on-year increase in commerce for our retail partners, while saving customers millions in future late fees and interest payments, accelerated by our product innovation and continued record ad-spend on our Ad-Subsidised Payments Network" – Andreas Andreou, Chief Revenue Officer But don’t just take our word for it - check out what our friends at eBay have to say about their experience working with Zilch! 👇 Here’s to breaking more records and making every shopping experience smarter, greener, and better for everyone. 💚

  • View organization page for Zilch, graphic

    28,615 followers

    Wow – what an honour! 🏆 Last week, we were named the UK’s ‘Financial Institution of the Year’ at the City AM Dragon Awards, held at London’s iconic Mansion House. In just four years since our launch - and in our first year entering - we’re beyond proud to have won this against some of the biggest and most established banks operating in the UK. But this is just the beginning. The next wave of innovation is here. UK fintech is thriving, and this award demonstrates that forward-thinking companies driving real social impact are being recognised. By working from first principles, our mission is clear: to transform consumer finance and use AI as a force for good. On behalf of Zilch, our COO Rakesh Harji and CCO Ryan M. had the privilege of collecting the award from LSEG (London Stock Exchange Group)’s Jane Goodland. A huge thank you to City AM, Aon, the judges, and the new Lord Mayor, Alastair King, for hosting such a memorable evening. This recognition is just fuel to the fire for all our talented Zilch team and partners - and we’re just getting started! 🚀🚀 See comments for full press coverage.

  • View organization page for Zilch, graphic

    28,615 followers

    In our first year of eligibility, we’re proud to announce that Zilch has been recognised as the 2nd fastest-growing fintech in the Deloitte UK Technology Fast 50. With nearly 8,000% growth over four years, we’re honoured to be named among the UK’s most transformative tech companies in 2024’s Top 10. Milestones like this reflect our commitment to pushing boundaries in financial inclusion by creating a regulated, ubiquitous payment product. Our solution securely and seamlessly switches between paying now (and earning rewards) and paying later (interest-free) - empowering millions to pay with confidence, protect their credit, and avoid the pitfalls of high-interest, revolving credit card debt. Congratulations to Richard Davies, CEO of Allica Bank, for securing 1st place, and to other leading fintechs on the Winners list in this year’s Top 50, including the fantastic CEOs Charles McManus of ClearBank, Jaidev Janardana of Zopa Bank, and Raman Bhatia of Starling Bank - all fellow Innovate Finance Unicorn Council for UK FinTech (#UCFT) members. A heartfelt thank you to our exceptional #Zilch team, supportive partners, and shareholders for helping us redefine the future of payments. See comments to explore the full list of Deloitte’s Winners 🏆...

  • View organization page for Zilch, graphic

    28,615 followers

    Last month, our Chief Revenue Officer, Andreas Andreou, joined Awin Global’s CEO Adam Ross on the main stage at PI LIVE Show 2024, announcing their new Conversion Protection Initiative, launching April next year.  Awin’s bold initiative is exactly what our industry needs, and Zilch is fully on board. Improved tracking drives growth across the board - empowering brands, enriching publishers, and ultimately benefiting customers. Now, it’s time for every affiliate network and agency to support this initiative that solves a unmet need in global advertising. PI LIVE Show was a tremendous success, with inspiring presentations and talks from top retailers. It was a fantastic opportunity for our Partnerships Team - Gary McQuarrie, James Cartlidge, Sarah Holland, Rob Nutter, Jack Hughes, Phil Thompson, and Kimberley Quince - to connect with key brands and networks, achieving over 80 meetings in just two days. We also invited brands and networks  including Tesco, Amazon, Boohoo Group PLC, Iceland Foods, impact.com, Awin Global, Rakuten, Partnerize and many others to an exclusive dinner. Without them, our vision is to eliminate the high cost of consumer credit wouldn't be possible. With £500 million saved for our customers in fees and interest to date, this was the perfect way to thank our partners for helping make it happen. So much in-store for 2025! Watch this space 🚀 #Zilch #AdTech #Fintech #Payments #Credit #BNPL #Partnership

  • View organization page for Zilch, graphic

    28,615 followers

    We recently had the pleasure of our Chief Technology Officer, Sean Hederman, delivering the main fireside chat at Amazon Web Services (AWS)’ GenAI Loft event in London, titled "FinTech Reinvented: The Future with GenAI". Sean shared how Zilch’s partnership with AWS is transforming lending with AI. Since day one, Zilch has been built cloud-native on AWS, processing over 10 million transactions per month and handling 3,000 requests per second. Using Amazon SageMaker and Bedrock, we’re enhancing fraud detection, analysing buyer intent, and creating personalised affordability, allowing us to make smarter lending decisions at groundbreaking speeds. With a 10X increase in data capacity, now exceeding half a billion datasets, Zilch enables real-time insights and delivers a tailored customer experience. Zilch has been regulated from the start, meaning every AI-driven improvement aligns with rigorous regulatory standards and a customer-first approach, enabling us to innovate responsibly. As we continue to grow, we’re committed to investing in future-ready talent and fostering team autonomy to drive ongoing breakthroughs in GenAI for payments. Born on AWS, we’re proud to partner with them to shape the future of AI-driven payments. Special thanks to Tricia Troth, Jake Nielen, and our moderator, Laura Caicedo, for another exceptional event. We’re already looking forward to the next one! #Zilch #GenAI #Fintech #MachineLearning #Payments #AI #GenAI #SageMaker #Bedrock #Credit

  • View organization page for Zilch, graphic

    28,615 followers

    Breaking New Ground with a Major Milestone for Zilch 🌍 Today, we’re thrilled to announce the expansion of Zilch’s securitisation facility to £150 million, backed by Deutsche Bank and now joined by two of the world’s largest global credit funds. This £50 million boost just four months since our first announcement is a testament to our partners' growing trust in our unique, Ad-Subsidised Payments Network (#ASPN) and our scalable, capital-efficient model. For context, this total deal will allow Zilch to support £10 billion in annual commerce and maintain its rapid growth trajectory, meeting soaring demand while capturing new wallet and market share. In fintech, few achievements speak louder than top-tier investors doubling down on your potential, and that’s exactly what we’re witnessing - a vote of confidence in our securitised lending portfolio and our commitment to robust regulatory standards. ✅  As our Co-Founder and CEO, Philip Belamant, notes: “Every £1 of finance fuels over £25 in sales. We’re in an exceptional position to deliver significant shareholder value and expand our offering." ✅ Zilch’s CFO Hugh Courtney is confident about future growth: “With our class leading unit economics and unique high engagement business model mean that this growth will accelerate as we head into 2025 and beyond.” To everyone at #Zilch and our partners, thank you for your trust and for making this journey possible. Desmond McNamara Rakesh Harji Sean Hederman Ryan M. Andreas Andreou Albert Periu Sean O’Connor Amy Sandys Philippos Galanis #Zilch #DeutscheBank #Fintech #Payments #Credit #BNPL #Growth #Securitisation #Innovation

  • View organization page for Zilch, graphic

    28,615 followers

    Feeling incredibly humbled as more 4th anniversary congratulations continue to roll in! 🎈🎉 Four years ago, we launched Zilch out of beta. Reflecting on this, as a UK-built, UK-scaled, and FCA regulated business right from day one, we're not just celebrating another milestone year - we're celebrating our 4m+ customers and the unwavering support of many amazing partners who believe in our purpose to advance financial inclusion. ✨ Special thanks this time to Craig Russell Google, Christopher Woolard CBE EY, Brent Hoberman Founders Forum Group, Cassandra Seier NYSE, and not least Janine Hirt Innovate Finance ✨ Your advice & belief in our vision to eliminate the high cost of consumer credit has been absolutely invaluable. To all our many amazing partners: Here's to an even brighter future, let's keep raising the bar and transforming lives! 🏆 #ZilchDay #Fintech #Payments #Credit #Partnerships #Payments #InnovateFinance #UCFT #Google #EY #FoundersForum Philip Belamant Sean O’Connor Hugh Courtney Rakesh Harji Sean Hederman Ryan M. Desmond McNamara Andreas Andreou Albert Periu Kirsty Spickett Joe Zender Özlem Yüce Syed Yasir Rizvi Amy Sandys Helen Pericleous Will Tran Nadja Jema Khan James Schofield Ruchi Mohabe

  • View organization page for Zilch, graphic

    28,615 followers

    Innovate Finance is celebrating its tenth anniversary this year, so at Zilch we were proud for the second year in a row to sponsor their annual "Fintech as a Force for Good Forum" this month, alongside Robinhood and Allica Bank. The event took place in the heart of #London, convening hundreds of the UK’s industry leaders and CEOs of high-growth fintechs. The opening keynote by the Economic Secretary to the Treasury (EST), Tulip Siddiq, was especially timely, considering her announcement of the long-awaited #BNPL #regulation days after. She highlighted fintech’s critical role in driving future economic growth and improving financial wellbeing. Our CEO & Co-Founder, Philip Belamant, was asked to deliver a fireside chat exploring Zilch’s vision and how it’s integrating the trillion dollar markets of advertising and credit to advance financial inclusion and transform lending through #AI. Innovate Finance also hosted a unique panel with four CEOs from the £50bn+ Unicorn Council for UK FinTech (#UCFT). Philip joined the panel alongside Francesca Carlesi (UK CEO of Revolut), Richard Davies (CEO of Allica Bank), and Lisa Jacobs (CEO of Funding Circle UK). Moderated by the brilliant Sasha Qadri, they discussed capital markets, tax and regulation. Later, with growth being the mission of the new government, Philip and our CCO, Ryan M., joined the EST and 20+ CEOs from the UCFT for a private roundtable. Hosted by the Council’s Co-chair, Janine Hirt, they discussed strategies and the key policies for unlocking the next wave of UK fintech IPOs and reshaping perception that will strengthen the UK’s trillion tech sector (see comments for policy). We’re excited to help do our part to help ensure the UK remains the top destination for entrepreneurs to continue to invest, scale and grow their companies here. #Fintech #Payments #Credit #Innovation #FinancialInclusion

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Funding

Zilch 11 total rounds

Last Round

Debt financing

US$ 64.9M

See more info on crunchbase