Momnt, a fintech company specializing in real-time lending and payment solutions, and Skeps, an embedded lending orchestration platform, have announced a partnership that expands access to flexible, real-time financing for home improvement contractors to offer their customers.

The partnership makes Momnt's suite of real-time lending products available to contractors using Skeps' platform, giving them a broader range of financing options to present to homeowners at the point of sale — covering everything from smaller repairs to larger renovation projects. As home improvement project costs have risen in recent years, point-of-sale financing has become an increasingly important tool for contractors looking to help customers manage out-of-pocket expenses and move forward with projects. For contractors within Skeps' network, this means more ways to approve a customer's financing needs without introducing new tools or workflows. For Momnt, the agreement extends its lending products to a wider base of contractors and the homeowners they serve.

"We built Momnt to work anywhere merchants need to connect their customers with financing, and that's what this partnership is really about: equipping contractors with more financing options for their customers," said Allyson Torsak, Chief Revenue Officer at Momnt. "By connecting our products to Skeps' network, we're bringing real-time financing tools directly to more contractors, so they can close more deals and grow their businesses without adding complexity to how they work."

"Contractors on our platform need more than one way to finance a project, because no two projects, or customers, look the same," said Ruby Walia, Chief Banking Officer at Skeps. "Adding Momnt's products to our credit orchestration platform gives contractors a deeper bench of financing options to draw from, so they can match customers with financing options that fit their needs through just one application."

The partnership reflects a broader trend in embedded finance, where lending infrastructure is increasingly integrated directly into merchant workflows rather than offered as a separate service. Credit orchestration platforms like Skeps aggregate multiple lenders behind a single application, allowing merchants to present more options without managing each lender relationship individually. Together, the two companies aim to build a more connected financing ecosystem for the home improvement industry. Through the integration, contractors can seamlessly access multiple lenders and financing products through a single platform, while homeowners receive financing options tailored to their needs at the right moment.

Source: GlobalFinTechSeries