How it works.
A turnkey program your city can launch. Two weeks of setup, then a single normal payment cycle for everything after that.
- 01
Your city connects invoice data.
A one-time, lightweight setup. After that, your team is hands-off.
Setup · 2 weeks - 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.
Per invoice - 03
Lunch pays the vendor.
The vendor gets same-day funds for the invoices they choose to accelerate.
Day 1 - 04
Your city pays the invoice on its normal timeline.
Your AP team, your schedule, your audit trail. Exactly as today.
Net 30 / 45 / 60
The program runs on the invoices your city was going to pay anyway, which is why it costs your city nothing.
One invoice, three actors, no change to the city's payment.
Two ways to connect Lunch to your AP.
Most cities start with the no-code CSV option and graduate to the API later — or never. Both are fully supported, both are free to the city, and both keep your existing approval workflow exactly as it is today.
Weekly CSV drop from AP
Your AP or finance team exports approved invoices and updates from your ERP once a week and uploads them to a secure Lunch portal. Zero IT involvement. Works with any AP system that can produce a flat file — Munis/Tyler, Workday, Oracle, Banner, SAP, OpenGov, or homegrown.
- Setup in days, not months
- No engineering or vendor IT review
- Standard CSV template — we map your columns
- SFTP available for sensitive environments
Direct API integration
Your AP or ERP pushes approved invoices to Lunch as they're posted. Vendors see invoices the same day they're approved by your team. Built for cities and modernized state systems where real-time procurement-to-pay visibility matters.
- Approved invoices flow within minutes
- Status updates round-trip both directions
- REST API + signed webhooks; OpenAPI spec on request
- IP allowlisting and audit log
How Lunch compares to factoring, MCAs, and bank lines.
Most small local businesses don't qualify for a bank line, get squeezed by MCAs, or don't produce enough volume for traditional factoring. Lunch is purpose-built for the gap.