Zilch generates a real-time, 360 degree, comprehensive view of each customer’s affordability profile based on best-in-market data from credit reference agencies, Open Banking and proprietary behavioural data analysis of the customer’s transaction history. Our machine learning then sets personalised borrowing limits accordingly. These start as low as £50. As we observe a customer making regular, on-time repayments, we may increase their balance – again, this is personalised to the individual borrower and based on their unique personal circumstances and affordability.