Get paid faster. Without the wait.
Lunch unlocks immediate payment for your outstanding invoices to cities, counties, school districts, and state agencies. No applications, no delays, no hassle.
Four steps. Money in your account.
When your customers partner with Lunch, you’re automatically approved for early payment on your outstanding invoices. Completely optional — sell only the invoices you choose.
Your agency partners with Lunch.
Cities, counties, school districts, and states sign a one-page MOU. There’s nothing for you to do — vendor onboarding is fully handled by Lunch.
You connect your bank account.
Quick verification via Plaid or wire instructions. Set up takes a few minutes — no credit check, no minimums, no personal guarantee.
Pick the invoices you want paid early.
Log in, see your approved invoices, choose which to sell to Lunch. It’s always your call, always invoice-by-invoice.
Money in your account in 1–3 business days.
Lunch wires payment minus a small, transparent discount. Your agency pays Lunch on its normal schedule — your relationship with them doesn’t change.
Built for the way you actually run your business.
Most invoice financing options were built for huge companies, not for the contractors, suppliers, and service providers that keep government running. Lunch is different.
No credit check
Approval is based on the agency’s receivable, not your business credit.
No minimums
Sell one invoice or twenty. There’s no minimum invoice size or volume requirement.
No personal guarantee
Lunch isn’t a loan. We purchase your receivable, so there’s nothing to sign personally.
No new debt
It doesn’t affect your credit line, your bank covenants, or your balance sheet.
No application
If your agency has partnered with Lunch, you’re already approved.
No hassle
Funds arrive in 1–3 business days via standard ACH or same-day wire.
Interested in learning more?
Tell us about your business and the agencies you work with. We’ll confirm if your contracts qualify and get you set up in minutes.