Brad Gustafson
Head of Accounting Partner Channel, Ramp
Brad Gustafson leads the Accounting Partnerships Channel at Ramp. With over a decade of experience, including managing Top 100 firm partnerships at Xero, he’s passionate about building a strong, engaged community of accountants connected through innovative technology and shared opportunities.
Articles by Brad Gustafson
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How to reduce corporation tax: 9 proven strategies for 2026
Corporation tax reduction strategies include deductions, credits, entity structure choices, and year-end timing techniques to lower a company's taxable profit.
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What is a factor rate and how do you calculate it?
A factor rate is a decimal multiplier used in merchant cash advances and short-term business loans to calculate total repayment up front.
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What is xenocurrency? Definition and examples
Xenocurrency is any currency held outside its home country. See real examples and find out how to manage foreign currency transactions.
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Accrual vs. deferral in accounting: Differences and examples
Accruals and deferrals are period-end accounting adjustments that align revenue and expenses with the periods they are earned or incurred—accruals recognize transactions before cash moves, deferrals recognize them after.
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Invoice vs. bill: What's the difference?
An invoice is a formal payment request with deferred terms; a bill requests immediate payment, improving payment processing efficiency.
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Gross profit vs. net profit: The difference explained
Gross profit is revenue minus direct production costs. Net profit is the bottom-line figure after all operating expenses, interest, and taxes are deducted.