Momnt
Momnt is an Atlanta-based fintech that operates an API-first embedded lending platform using ML/AI-informed decisioning to deliver real-time, point-of-sale consumer financing primarily for U.S. home improvement contractors, distributed via direct, white-label, and partner channels.
- Company typePrivate
- Founded2020
- HeadquartersAtlanta, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Momnt does
Momnt Technologies, Inc. is an Atlanta-based financial technology company founded in 2020 that operates an API-first embedded lending platform delivering real-time, point-of-need consumer financing at the merchant point of sale. The platform combines ML/AI-informed underwriting with alternative data sources and a soft-credit-pull pre-qualification engine to generate personalized loan offers (up to $75,000 with terms up to 15 years), and it operates within the banking industry's regulatory infrastructure via partner banks Cross River Bank and Primis Bank as originators, with Momnt Servicing Company LLC (NMLS #2373805) handling loan servicing. The architecture is exposed through publicly documented Consumer and Merchant APIs that enable both direct merchant integrations and white-label deployments (Lend Home Finance, Paradigm Finance, Acorn Finance, Wrangld Finance). Closed-loop funding constrains loan proceeds to the originating merchant, structurally reducing credit risk for lender partners and distinguishing Momnt from generic personal-loan originators.
Momnt's primary customer is the U.S. home improvement contractor and merchant (roofing, windows, baths, glass, siding), served through three go-to-market motions: direct merchant sales, embedded/API integration with software platforms, and a white-label/OEM channel that re-brands Momnt's technology for distribution partners. The company also serves healthcare and dental providers (referenced as a secondary vertical), software platforms seeking embedded consumer lending, and financial institutions that participate in its capital markets program (forward flow, pass-through trusts, warehouse financing, 144A and 4(a)(2) ABS, whole loan sales). Revenue is generated primarily through transaction-based fees on originated loans, supplemented by capital markets structuring revenue, white-label licensing economics, and direct lending income in states where Momnt holds origination licenses.
The company has scaled to 3,000+ merchants, 50,000+ consumers, and $1B+ in cumulative loan originations (homepage headline), with disclosed cumulative venture funding of $33M across four rounds ($1.5M in 2020, $7M in 2021, $9.5M in 2022, $15M in 2023), most recently led by TruStage Ventures with Saluda Grade Ventures exercising board control. Recent leadership transitions (CEO Tom Anderson, ex-Castle Credit, Feb 2026; CRO Allyson Torsak, ex-BMG Money, March 2026) and product expansion (Momnt Rewards loyalty program, Oct 2025) signal a strategic sharpening around home improvement financing at scale.
Momnt firmographics
Firmographics- Name
- Momnt
- Legal name
- Momnt Technologies, Inc.
- Website
- https://momnt.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Momnt is an Atlanta-based fintech that operates an API-first embedded lending platform using ML/AI-informed decisioning to deliver real-time, point-of-sale consumer financing primarily for U.S. home improvement contractors, distributed via direct, white-label, and partner channels.
- Ownership category
- akta.pro rank
Momnt industry classification
Industry- Product category
- Embedded Lending Technology
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292), Consumer Lending (522291), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)
- akta.pro secondary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Momnt is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Momnt business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction fees on originated loans: Momnt earns transaction-based revenue on consumer loans it arranges through participating merchants and lender partners. Momnt Technologies, Inc. arranges consumer loans used to purchase goods and services from participating merchants, with all loans originated by participating financial institutions (Cross River Bank, Primis Bank, and others); the company may also originate loans directly in states where it has appropriate state licenses.
- Capital markets / structured finance revenue: Revenue derived from capital markets operations including forward flow sales, pass-through trusts, warehouse financing, 144A and 4(a)(2) asset-backed securitizations, and whole loan sales — offering attractive yield with credit enhancements to financial institution partners.
- White-label and embedded partner revenue: Revenue from white-label and embedded partnerships (Lend Home Finance, Paradigm Finance, Acorn Finance, Wrangld Finance, and others) where partners rebrand Momnt's technology or integrate its APIs into their own platforms, generating per-transaction or shared economics.
- Direct merchant origination (where licensed): Where state licenses permit, Momnt itself originates consumer loans (rather than only arranging them through third-party lenders), generating direct lending income in addition to platform arrangement fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | Merchant platform access — free enrollment |
| Other | — | Consumer loan products (not publicly listed) |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels9 records
Momnt product offering
Product offeringCore offering
Momnt operates an API-based embedded lending platform that enables merchants (primarily home improvement contractors) to offer real-time consumer financing at the point of sale. The platform uses ML/AI-informed decisioning with alternative data and soft-credit-pull pre-qualification to present personalized loan offers (up to $75,000, terms up to 15 years) from multiple lenders. Loans are originated by partner financial institutions (Cross River Bank, Primis Bank), with same-day and next-day ACH funding to merchants and closed-loop controls restricting loan use to the originating merchant.
Product overview
Momnt operates as a unified fintech platform whose core offering is the Momnt Embedded Lending Platform, an API-based real-time lending and payment solution for merchants and consumers in the home improvement sector. The platform is exposed through two complementary APIs—the Consumer API for consumer-facing loan flows and the Merchant API for merchant/partner integration—which together enable embedded, white-label, and referral partnership models (such as Lend Home Improvements and Paradigm Finance powered by Momnt). On top of the core platform, Momnt offers the Momnt Rewards loyalty program for home improvement professionals as an add-on engagement layer.
Differentiator
Problem solved
Functional benefit
Brands
- Momnt Rewards: Loyalty/rewards program launched in October 2025 for home improvement professionals, offering points on qualifying transactions and milestone bonuses redeemable via Mastercard reward cards, gift cards, merchandise, and travel.
Products and services
- Momnt Embedded Lending Platform API-based real-time embedded lending and payment platform for merchants and consumers in the home improvement sector, leveraging ML/AI-informed decisioning with alternative data, soft-credit pre-qualification, same-day and next-day ACH payments, multi-lender offers, and high credit limits. Used by home improvement contractors and merchants to offer consumer financing at the point of sale.
- Momnt Consumer API Public-facing API providing endpoint definitions, request/response schemas, and authentication details for consumer-side financing flows, enabling developers to integrate real-time loan pre-qualification, offer presentation, and payment experiences.
- Momnt Merchant API API providing endpoints, authentication requirements, and integration guidelines for merchants and partners embedding Momnt financing into their software and sales workflows, with white-label and embedded partnership options.
- Momnt Rewards Loyalty program for home improvement professionals that enables participants to earn points on every qualifying transaction, unlock tiered milestone bonus points that reset annually, and redeem rewards through a dedicated program website for Momnt Mastercard Reward Cards, retail gift cards, premium merchandise, and travel experiences. Cards issued by The Bancorp Bank, N.A. pursuant to a Mastercard International license.
- White-Label Lending Solution Program that allows select partners to offer Momnt's lending technology under their own branding. Includes partner-branded programs such as Lend Home Improvements and Paradigm Finance, with seamless API integration, embedded technology, dedicated merchant support, and customizable merchant experiences and packages.
Quantifiable outcome
- $1B+ cumulative loan origination (homepage)
- +9 more outcomes
Companies that use Momnt
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles3 records
Momnt technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability4 records
Feature7 records
Momnt partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered flagship, core and minor.
- Lend Home FinanceflagshipWhite-label partner that powers its home improvement lending offering with Momnt's technology (displayed as "Lend Home Improvements powered by Momnt"). Featured customer success: EZ Baths generated $7M in sales and doubled business within a year using Lend Home Improvements / Momnt.
- Paradigm FinanceflagshipWhite-label partner that powers Paradigm Finance with Momnt's embedded lending technology; integrated into Paradigm's Vendo quoting platform. Featured customer success: High Basin Glass saw 60% revenue surge after implementing Paradigm Finance (powered by Momnt) in June 2024.
- Acorn FinancecoreWhite-label / embedded partner displayed in Momnt's "Our recent partners" logo section, leveraging Momnt's consumer financing technology.
- Wrangld FinancecoreWhite-label / embedded partner displayed in Momnt's "Our recent partners" logo section, leveraging Momnt's consumer financing platform under their own brand.
- Paradigm (Vendo platform)coreVendo is Paradigm's quoting software platform into which Paradigm Finance (powered by Momnt) is natively integrated, providing seamless in-platform financing options to merchants like High Basin Glass without external links.
- Authority BrandscoreListed in Momnt's "Our recent partners" logo section on the Partners page; a home services franchise platform partnering with Momnt to offer financing across its network of brands.
- Builders FirstSourcecoreListed in Momnt's "Our recent partners" logo section; strategic partnership with one of the largest U.S. suppliers of building products to integrate financing for contractor customers.
- RooflecoreListed in Momnt's "Our recent partners" logo section; partner integrating Momnt financing into roofing industry workflows.
- Atlas RoofminorListed in Momnt's "Our recent partners" logo section; roofing-industry partner leveraging Momnt's financing platform.
Scale indicators15 records
Recent moves6 records
Expansion highlights6 records
Momnt competitors and assessment
Company assessmentDirect peers
- Acorn Finance: Multi-lender home improvement loan marketplace that connects consumers with multiple loan offers. Directly comparable to Momnt's multi-offer marketplace model and overlapping home improvement vertical; notably also listed as a Momnt white-label partner, indicating a hybrid competitor/partner relationship.
- Hearth: Home improvement financing marketplace that allows contractors to offer multiple financing options to homeowners. Directly comparable in target vertical (home improvement contractors) and multi-offer point-of-sale lending approach.
- Wisetack: Embedded consumer financing platform for in-person services (home services, auto, healthcare) offering soft-credit-check pre-qualification and instant offers. Closely comparable to Momnt's API-first, ML-informed, contractor-embedded lending product across overlapping SMB verticals.
- LightStream: A Truist-affiliated online lender offering fixed-rate, unsecured consumer loans up to $100K widely used for home improvement financing. Directly comparable to Momnt's core product of multi-offer point-of-sale home improvement loans with soft credit-pull pre-qualification and same-day funding.
- Sunlight Financial: Point-of-sale solar and home improvement financing platform with contractor distribution. Comparable to Momnt's home improvement vertical, contractor-facing embedded model, and capital markets funding approach (notably underwent financial restructuring in 2023, illustrating the risks of this category).
- GreenSky (Goldman Sachs): Point-of-sale lending platform historically focused on home improvement, acquired by Goldman Sachs. Closely comparable to Momnt in target vertical (home improvement contractors), bank-partner origination model, and contractor-embedded loan offer flow.
Broad incumbents
- Affirm: Publicly traded buy-now-pay-later and POS financing incumbent with broad merchant distribution. Overlaps with Momnt's embedded lending model and consumer-facing instant-offer experience but operates across many verticals and at much larger scale.
- Synchrony Financial: Large public consumer-finance company with deep POS credit-card and installment lending relationships in home improvement retail (e.g., Synchrony Home). Comparable in vertical focus and bank-partner dynamics, with much broader scale and balance sheet.
- Klarna: Global BNPL and POS payments network. Comparable to Momnt's embedded real-time financing offers at merchant checkout, but operates across broad retail verticals rather than specializing in home improvement.
Emerging players
- Ygrene Energy Fund: Property-Assessed Clean Energy (PACE) financing provider for residential energy efficiency, resilience, and home improvements. Comparable to Momnt's home improvement contractor lending model but funded through municipal PACE assessments rather than bank-originated consumer loans.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
Momnt social profiles
Digital presenceMomnt compliance and trust
Trust signalCompliance3 records
Momnt financial estimates
Financial estimateRevenue estimate
Valuation estimate
Momnt leadership team
Management profileNumber of profiles
Profiles1 record
Momnt subsidiaries and ownership
Company hierarchySubsidiaries1 record
Momnt funding detail
Funding detailFunding overview
Funding rounds4 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Momnt M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Momnt
What does Momnt do?
Momnt operates an API-based embedded lending platform that enables merchants (primarily home improvement contractors) to offer real-time consumer financing at the point of sale. The platform uses ML/AI-informed decisioning with alternative data and soft-credit-pull pre-qualification to present personalized loan offers (up to $75,000, terms up to 15 years) from multiple lenders. Loans are originated by partner financial institutions (Cross River Bank, Primis Bank), with same-day and next-day ACH funding to merchants and closed-loop controls restricting loan use to the originating merchant.
Is Momnt a public or private company?
Momnt is a private company. It is classified as venture growth investor backed and is currently operating.
When was Momnt founded?
Momnt was founded in 2020. It employs 51 to 100 people.
Where is Momnt based?
Momnt is headquartered in Atlanta, United States, in the North America region.
How does Momnt make money?
Four revenue lines are on record. Transaction fees on originated loans are the primary driver. The others are capital markets / structured finance revenue, white-label and embedded partner revenue and direct merchant origination (where licensed).
Who are Momnt's main competitors?
Direct peers on record are Acorn Finance, Hearth, Wisetack, LightStream, Sunlight Financial and GreenSky (Goldman Sachs). Broad incumbents are Affirm, Synchrony Financial and Klarna. Ygrene Energy Fund is listed as an emerging player.
Does Momnt have an API?
Yes. Momnt offers a Consumer API and Merchant API for partner integration. The Consumer API provides endpoint definitions, request/response schemas, and authentication details for building consumer-facing financing flows. The Merchant API provides endpoint specifications, authentication requirements, and integration guidelines for merchants embedding Momnt financing into their systems. The APIs support embedded partnerships, allowing seamless integration into partner software, with white-label capabilities and real-time loan offer decisioning using ML/AI-informed technology. Developer documentation is at app.momnt.com/api/schema/consumer.
What industry is Momnt in?
Momnt's product category is Embedded Lending Technology. Its primary akta.pro industry code is FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement, with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 522310 and its SIC code is 6163.