Momnt

Momnt (formerly Artis Technologies) is an Atlanta-based financial technology company that operates an embedded lending platform enabling merchants to offer real-time, affordable financing to their customers at the moment of purchase. The platform serves a three-sided market: merchants gain a tool to close more sales by removing financial friction; consumers receive pre-qualified loan offers tailored to their individual creditworthiness; and financial institutions generate new consumer loan assets within the existing regulatory framework. The core product is an API-based platform that integrates directly into merchants' workflows — accessible via text, email, or embedded software — and uses alternative data sources combined with machine learning and AI-driven decisioning to present multiple real-time loan offers to borrowers. Momnt primarily targets the home improvement and healthcare verticals, partnering with contractors, medical providers, and home service businesses. On the lender side, the company works with community banks and credit unions to provide forward-flow loan portfolios. In 2024, Momnt closed an asset-backed revolving warehouse facility of up to $200 million to support origination capacity. The company has grown from originating $1 million per month in early 2022 to significantly higher volumes, and in 2025 introduced platform enhancements, strategic integrations, and new executive appointments to support continued expansion. Keywords: embedded lending, point-of-need financing, consumer lending, home improvement financing, healthcare patient financing, API lending, fintech, merchant financing, embedded finance, real-time loan decisioning, ML credit underwriting, B2B2C