Zilch Raises over $175 Million to Accelerate Growth

Zilch, the consumer payments platform powering the future of commerce, led by Philip Belamant, Hugh Courtney, Desmond McNamara, Kirsty Spickett, Ryan Mendy, Sean Hederman, Boriana Tchobanova, and others, has secured over USD $175 million ($176.7m) in debt and equity led by KKCG with participation from BNF Capital, and several other strategic investors. The raise also includes the expansion of its securitization led by Deutsche Bank.

The successful raise follows the launch of two major products that strengthen Zilch’s appeal to merchants and consumers. Intelligent Commerce, an AI-driven platform turning live engagement data into real-time insights, has quickly become a leading revenue stream. Zilch Pay, launching in H1 2026, is set to capture more consumer spend and deliver a seamless one-click checkout experience.

The new funding round positions Zilch to strengthen its role in global commerce, with plans to boost ATL marketing, advance product and platform development, and explore strategic M&A. Since 2020, the company has built a consumer-focused payments platform that has attracted over 5.3 million users and connected them to thousands of major retailers, enabling more efficient customer acquisition and driving over £5 billion in processed commerce.

Philip Belamant, CEO and Co-Founder of Zilch, stated that the company has reshaped the brand–customer relationship within five years, delivering benefits for both consumers and merchants. He said the new funding signals strong confidence in the team and strategy, with recently launched products already driving significant growth. Belamant also credited Co-Founder Sean O’Connor’s network and leadership as key to securing the raise, positioning Zilch for its next phase of expansion.

Hugh Courtney, Chief Financial Officer, stated that securing world-class investors in a selective market reflects the company’s strength. He cited future-proof innovation, diversified revenue streams, and an engaged customer base as core to its rapid growth, adding that the focus now is on building on this momentum and reshaping the economics of commerce.

Karel Komarek Jr., CEO of KKCG US Advisory, said KKCG focuses on creating sustainable value in established industries. He noted that Zilch’s track record shows how its technology-led approach is reshaping the credit landscape and delivering strong value. He added that KKCG looks forward to supporting the company’s next phase of growth.