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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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.
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Merchant underwriting: Steps and how to prepare
Merchant underwriting assesses a business's financial stability, fraud risk, and regulatory compliance before allowing it to accept card payments.
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Zombie spend: What causes it and how to reduce it
Zombie spend is recurring payments for services no longer in use—forgotten subscriptions, auto-renewals, and unused licenses quietly draining your budget.
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The cash application process: A complete guide
Cash application is the process of matching incoming customer payments to outstanding invoices in accounts receivable, keeping AR records accurate and DSO low.
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Operating profit: Formula, examples, and what it shows
Operating profit is the profit a company earns from core operations after subtracting operating expenses but before interest and taxes.