Your city’s biggest small business stimulus is already in your accounts payable system.
Lunch partners with cities and counties to offer early payment options for your vendors, delivering capital and credit building to the businesses that keep your city running. Free for government. No change to your processes.
What the program does for your community.
Stronger local businesses, year over year.
Each invoice paid through Lunch is reported to commercial credit bureaus, building the vendor’s commercial credit profile. Over time, your local vendors qualify for larger bonds, better insurance rates, and bigger contracts.
Cash flow when vendors need it.
Vendors choose to get paid early on invoices your city has already approved. Same-day funds, on terms the vendor controls.
More bidders, better prices.
Cash-flow constraints are a primary reason small vendors stop pursuing government work. An always-on early-payment option keeps them in your bidder pool, which means more competition and stronger contract pricing.
How it works.
A turnkey program your city can launch.
- 01
Your city connects invoice data.
A one-time, lightweight setup. After that, your team is hands-off.
- 02
Vendors choose early payment, invoice by invoice.
Vendors decide whether to accelerate any given invoice. They see the flat fee before they click. Always optional.
- 03
Lunch pays the vendor.
The vendor gets same-day funds for the invoices they choose to accelerate.
- 04
Your city pays the invoice on its normal timeline.
Your AP team, your schedule, your audit trail. Exactly as today.
The program runs on the invoices your city was going to pay anyway, which is why it costs your city nothing.
Bring Lunch to your city.
We’ll show you what the program could look like in your community.