Series D · Fintech · London, United Kingdom · Founded 2018 · 250–300 employees
Zilch is a UK fintech unicorn that operates the world's first ad-subsidised payments network, combining buy-now-pay-later services with advertising revenue to offer fee-free credit. The company has achieved remarkable growth since its 2020 launch, reaching over 5.3 million customers and processing over €4.3 billion in commerce. Recently raised $175 million in November 2025, becoming Europe's fastest-growing fintech to reach double unicorn status at a $2 billion valuation. The company is expanding globally with offices in Miami and Krakow, launching AI-powered products like Intelligent Commerce, and recently announced plans to acquire Lithuanian digital bank Fjord Bank to secure European banking licenses.
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