Momnt
“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.