Lunch: Cash Flow as a Service

lunchpayments.com

VCMatch tracks Lunch: Cash Flow as a Service as an investor focused on Fintech, Payments, and Enterprise SaaS companies, United States and Other Countries markets, and $1m check sizes. Upload your deck to compare your startup against the full private matching profile.

Check Size

$1m

Stages

Not specified

Focus Areas

Fintech, Payments, Enterprise SaaS

Geography

United States and Other countries

Investment Thesis

Lunch’s operating philosophy is to unlock near-term cash flow for local businesses and platform suppliers by embedding turn‑key receivables financing into existing payment workflows. They prioritize low friction for customers and partners — delivering capital, compliance, and technology via API so platforms and agencies can offer instant invoice pay without changing approvals or budgets.

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Investment Focus

Who should take a closer look

Lunch: Cash Flow as a Service is most relevant for founders raising venture-backed rounds in Fintech, Payments, Enterprise SaaS, and Developer Tools, especially across United States and Other countries, with public check-size signals around $1m.

Focus statement

Lunch focuses on embedded invoice financing for platforms, agencies and their suppliers — providing API-delivered capital and compliance so partners can offer instant payments to vendors at no cost to the agency and with broad eligibility for suppliers.

Value Add

API-first, turn‑key financing: "Lunch provides the capital, compliance, and technology by API to directly integrate your platform with our financing infrastructure."
No cost to agencies: "Lunch fully funds the advance, so there are no fees or budget impacts for your organization."
Broad supplier eligibility: "Available to All Vendors: No minimum invoice size or credit checks. Participation is always voluntary."
Fast, low-friction funding: "Get Paid Now for this invoice! Funds will be available in your bank account in 1-3 business days." with "Automatic approval" and "No application"
Platform monetization: "Earn a revenue share anytime your suppliers access instant capital via Lunch."
Operational reliability and support: commits to high availability (99.0% target) and defined support SLAs and response times.