Zilch

Zilch Technology Limited, founded in 2018 by Philip Belamant in London, is a direct-to-consumer payments network and BNPL (Buy Now, Pay Later) platform. It is the first BNPL provider to report payment data to all major UK credit reference agencies. Zilch allows users to split purchases over 6 weeks with 0 interest or pay immediately for 2% cashback. The company reached unicorn status, achieved profitability in 2024 with $130M ARR, and operates from London, Miami, and Krakow.