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

We work directly with your finance office and their current processes to build a solution tailored to your community. We are fast and flexible with implementation providing an audit-ready program in as little as an afternoon.

Our no-code solution can be implemented today. We set up a data share between your Accounts Payable team and Lunch to relay current invoice data and return payment destination information to ensure all your vendors have access to fast pay options.

We also offer free digital ACH payments for cities who want to stop writing so many paper checks, as well as a vendor portal for any cities looking to improve vendor management. These free modules can be added a la carte.