Richard Moy

Richard Moy

Finance Writer, Ramp

Richard Moy has written extensively about procurement and vendor management topics for companies like BetterCloud, Stack Overflow, and Ramp. His writing has also appeared in The Muse, Business Insider, Fast Company, Mashable, Lifehacker, and more.

Articles by Richard Moy

Which high-limit business credit card is right for you? December 2025

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Which high-limit business credit card is right for you? December 2025

The best high-limit business credit cards combine purchasing power with other benefits, like built-in expense management. See our top picks.
The best instant or pre-approved business credit cards in December 2025

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The best instant or pre-approved business credit cards in December 2025

Discover the top instant or pre-approved business credit cards. Get the best options for business credit card pre-approval and find your perfect fit.
Can you get a business credit card without a business?

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Can you get a business credit card without a business?

Yes, you can get a business credit card, even without a formal business or business income.
What is accounts payable (AP)? Definition, process, and examples

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What is accounts payable (AP)? Definition, process, and examples

Accounts payable (AP) is the money you owe vendors and suppliers. An efficient AP process is integral to company growth and positive cash flow.
Assets vs. liabilities: Key differences and examples

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Assets vs. liabilities: Key differences and examples

Assets are resources a business owns that provide future value, while liabilities are obligations it owes to others.
Credit risk explained: Types, ratings, and management

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Credit risk explained: Types, ratings, and management

Credit risk is the potential for financial loss when borrowers default. Learn how to assess, rate, and manage credit risk for yourself and potential customers.