We launched our BETA product with a team of 12 – small but mighty (and destined for big things).

With a dream and an $11 million investment, Zilch became a reality.

Getting straight on our game plan, we partnered with Credit Kudos to introduce open banking to the Buy Now, Pay Later (BNPL) market.

Soon after, we became the first ever BNPL to be FCA-licensed.

Our total valuation hit $500 million following Series B investment. It’s safe to say, we’d made a splash.

Pay in 4 was made available on Tap and Pay, a UK industry first (not bragging…)

We had a real oh-wow moment when Goldman Sachs and DMG Ventures got involved, investing $110 million.

We soared to 1 million customers and over £100 million in sales in just 13 months. Yeh, we had to double take that one, too.

Partnering with Bicester Village, customers could now Pay in 1 and Pay in 4 at any of their destinations worldwide.

Zilch went global. Hello, US, Canada, Poland and South Africa.

Double unicorn? Nailed it. We became the fastest company in Europe to go from Series A to Unicorn status.

Our customers were happy, too. We were the highest-rated BNPL service in the UK, with 4.6 on Trustpilot and 37,000+ reviews.

335,000+ of our customers referred their friends – because sharing is caring.

Zilch reached 2 million customers… but we weren’t stopping there.

We crossed the pond and launched stateside (with a waitlist of customers).

One more goal ticked off, we joined the Financial Technology Association (FTA).

We had a pinch-ourselves moment when we were awarded Credit Card Provider of the Year.

We hit 3 million customers in record-breaking time.

Fist pump moment… We became profitable on a per-transaction basis for the first time.

We reached over £1 billion cumulative GMV. No biggie.

We became the first BNPL provider to report to all three credit reference agencies. We’re super proud of this one.

We partnered with StepChange to continue to lead the way in responsible lending.