# Zilch Expands Lending Capacity with £395m Debt Facilities

> Zilch secures £395m debt facilities to boost consumer lending up to £6bn annually.
- Title: Zilch Expands Lending Capacity with £395m Debt Facilities
- Summary: Zilch secures £395m debt facilities to boost consumer lending up to £6bn annually.
- Keywords: zilch, debt facilities, consumer lending, payments company, lending capacity, pay monthly, Pulse 2.0
- Source: Pulse 2.0 — https://pulse2.com/zilch-395-million-debt-facilities-expand-consumer-lending-capacity
- Author: Amit Chowdhry
- Published: 2026-11-12T21:33:02+00:00
- Read time: 1 min
- Topics: zilch, debt facilities, consumer lending, payments company, uk, lending capacity, pay monthly, startups, business
## Zilch Increases Debt Facilities
Zilch has increased its securitization and corporate debt facilities by £165 million, bringing total commitments to £395 million.
## New Lending Capacity for Customers
The facilities will enable Zilch to originate up to £6 billion in lending annually for products like Pay Monthly.
## Pay Monthly Product Launch
Pay Monthly, launched in August 2026, allows customers to spread purchases over three, six or 12 months.
## Customer Spending Growth
Average annual spending per active customer has reached £2,500 with gross merchandise value run rate exceeding £3.5 billion.
## Key takeaway

Zilch increases lending capacity to £6 billion annually through £395 million in debt facilities, supporting customer growth in UK payments.