Lunch is an embedded financing company for government agencies. Basically, we help your suppliers get paid faster.

Invoice approval processes can sometimes lead to payment delays for your suppliers. Those delays are especially difficult for the small businesses that comprise the backbone of your community. 

Lunch partners with municipal finance offices to provide early payment options for all vendors, regardless of size. We help ensure your suppliers can still deliver for your community, no matter what cash flow issues come up. 

Lunch's solution can be set up in as little as an afternoon. We provide the capital, compliance, and technology to make it happen at absolutely no cost to your city.

— Vendors can elect to receive early payment on their government contracts

— No cost to government agencies

— Every vendor is eligible

— No vendor credit checks

— No government guarantees

— Flat fee of 5%, no escalating interest that could trap vendor in debt spiral

— No minimum invoice size