Reena Thomas
Finance Writer and Editor
Reena Thomas, Ph.D., is a freelance finance writer and editor. With over a decade of experience in publishing, she's edited content across personal finance, healthcare, and education. Previously, she worked for Bankrate, CreditCards.com, NurseJournal, Voyager Expanded Learning, and Rockefeller University Press. She also taught as a tenure-track college English instructor after receiving her doctorate.
Education
Reena holds a Ph.D. in English Literature from the University of Arizona. She received her Master's in English Literature from the University of Dallas, and her Bachelor's in English Literature from Cornell University.
Articles by Reena Thomas
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Vendor payment process explained in 5 steps
The vendor payment process is the end-to-end workflow to receive, approve, pay, and reconcile vendor invoices across ACH, wire, virtual card, and check.
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How to get a business credit card without a business
You can get a business credit card without a business by applying as a sole proprietor with your SSN, since issuers count income-earning work as a business.
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Vendor risk management: How to assess and reduce risk
Vendor risk management identifies, assesses, and reduces the operational, financial, cybersecurity, and compliance risks that third-party vendors create.
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Merchant cash advance: What it is and how it works
A merchant cash advance provides upfront capital repaid through future sales at a fixed factor rate, often at a higher annualized cost than traditional loans.
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How to make an ACH payment in 5 simple steps
An ACH payment is an electronic bank-to-bank transfer through the Automated Clearing House network, used for payroll, vendor invoices, and recurring bills.
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Chase 5/24 rule explained: How it works and how to check
The Chase 5/24 rule means Chase generally denies applicants who've opened five or more personal credit cards from any issuer within the past 24 months.