“Can a three-sided embedded lending marketplace — connecting contractors, consumers, and regulated bank partners — become the dominant point-of-need financing infrastructure for home improvement and adjacent verticals?”
Originally founded as Artis Technologies in 2019, the company rebranded to Momnt and launched its embedded point-of-need lending platform in 2020, initially targeting home improvement contractors. The platform operates as a three-sided marketplace connecting consumers (borrowers), merchants (contractors), and financial institution partners (lenders), with Momnt acting as the technology and origination layer. Rather than holding loans on balance sheet, Momnt structures forward flow, pass-through trusts, and ABS programs with bank partners including Cross River Bank and Primis Bank, positioning itself as infrastructure for banks seeking quality consumer credit origination at the point of purchase.
Momnt discloses Cross River Bank as its banking provider, with Cross River Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
Momnt does not disclose a bank charter of its own; its banking services are provided through Cross River Bank, N.A..
The Embedded Finance Index 2026 maps 3 layers in Momnt's stack: Banking / BaaS (Cross River Bank); Lending (Home improvement consumer installment loans, Contractor financing and Point-of-need consumer lending); Sponsor bank (Cross River Bank, N.A.).
Momnt was founded by Barclay Keith and is founded in 2019, headquartered in Atlanta, GA (Sandy Springs), USA.
Momnt has raised ~$45M+ in total (latest round: Series B).
Get a read on where your own stack stands against Momnt and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.