Dwight Funding

Dwight Funding is a New York-based nonbank lender focused on asset-based lending and working capital for early- and growth-stage businesses in eCommerce, Food & Beverage, CPG, and SaaS. It offers lines of credit ranging from $1 million to $15 million, structured around accounts receivable, inventory, equipment, and broader asset-based facilities. Notably, there is no stated minimum credit score or minimum time in business, making it an option for funded startups that may not qualify at traditional banks. The $500,000 monthly revenue floor signals that Dwight targets businesses with real operating scale, not pre-revenue companies. In 2022, IDB Bank led a $100 million revolving credit facility for Dwight Funding, suggesting reasonable institutional backing. Industry specialization appears to be a core differentiator — borrowers in its target verticals may benefit from underwriters who understand sector-specific metrics like inventory turns and recurring revenue. Available across the United States.