Long BeachLunch is bringing early payments to Long Beach vendors.Learn more
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Early payment for vendors, offered through your city

Lunch partners with local governments to offer early payment options for your vendors, delivering capital and credit building to the businesses that keep your city running.

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Invoice 16834
Approved
City of Bedford
Public Works, Street Maintenance
$18,400.00
Approved
Oct 14
Scheduled payment
Nov 14
Get paid now
or wait and get paid Nov 14

Your city’s biggest local business stimulus is already in your budget.

When your city partners with Lunch, all your vendors are eligible to get paid early for their invoices.

The program runs on the invoices your city is already going to pay , which is why it costs your city nothing.

A NEW VENDOR BENEFIT

Give your vendors financial flexibility. Lunch helps local businesses make payroll, take more contracts, and deliver for your community.

CREDIT BUILDING

We report every payment to the commercial credit bureaus, so your local businesses can build their credit over time

Early payments
Invoice 16834Day 0
Ruiz Street Maintenance
$18,400.00
Option for vendors to receive early payment
Get paid early
Optional
Early payment from Lunch. Flat fee
Day 1
Wait for normal terms
Nothing changes. No fee.
Day 30
Reported every month
September4 invoices
October6 invoices
NovemberFiling now
Every paid invoice, filed on the vendor's credit record.
Vendor business credit score18 → 71
Illustrative example
Month 1Month 12
Cheaper borrowing, easier bonding, bigger contracts.

How it works

Invoice
Status
Pay date
16829
Approved
11/14/26
16831
Pending
11/21/26
16834
Approved
11/14/26
16836
Approved
11/14/26
16841
Pending
11/28/26
1,284 more
01

We connect to your ERP

We read which invoices are approved and when they’re scheduled to be paid.

Vendor enrolled
Agreement signed
Early payment requested
Supportsupport@lunchpayments.com
02

Vendors get early payment access

Vendors have the option to get paid early. Compliance, support, and funding are covered by Lunch. 

Payment run
Nov 14
Invoice 16834
$18,400.00
03

You pay on your normal timeline

Your payment run goes out when it always does.  Payment goes to the original vendor, for the same amount.

Benefits

Less than 1 year in businessEligible
No business credit fileEligible
First contract with the cityEligible
Credit checkNone required
Minimum invoice sizeNone

Every vendor is eligible

Eligibility for all vendors, with no credit checks required and no minimum invoice size. A $900 invoice works the same way a $90,000 one does, and the smallest vendors on your list qualify on the same terms as the largest.

Without Lunch
Invoice$18,400.00
Program fee—
City pays$18,400.00
on 11/14/26
With Lunch
Invoice$18,400.00
Program fee$0.00
City pays$18,400.00
on 11/14/26
Identical outflow, identical date.

No cost to your city

A fully self-funded program. Your city pays the same invoice amount on the same date it would have paid anyway. No fee, no budget line, nothing new to procure.

Business credit score18 → 71
Illustrative example
Month 1Month 12

Vendors build credit

Most small vendors have almost no business credit file, which makes borrowing expensive and bonding hard. We report vendor payment performance to commercial credit bureaus, so work done for your city counts toward their credit.

Program dashboardCity of Bedford
Vendors enrolled
148
Paid early
$2.1M
Days saved
24 avg
Vendors using early paymentLast 6 months

Seamless implementation

Minimal disruption to existing finance or procurement processes. Your approval workflow, payment run, and controls stay as they are, and your team gets a portal to monitor how the program is performing.