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

Cash vs. accrual accounting: What's the difference?

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Cash vs. accrual accounting: What's the difference?

Cash accounting records transactions when cash moves. Accrual accounting records them when earned or incurred, regardless of payment timing.
How does cashback work on credit cards?

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How does cashback work on credit cards?

Cashback credit cards return a percentage of your purchases as rewards you can redeem as statement credits, bank deposits, or gift cards.
How to check your business credit score for free

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How to check your business credit score for free

Check your business credit score for free through Nav, Experian, Dun & Bradstreet, and Equifax. Checking your own score is a soft inquiry.
What is share dilution? A guide for startups

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What is share dilution? A guide for startups

Share dilution occurs when a company issues new shares, reducing existing shareholders’ ownership percentages, due to fundraising, option pools or convertibles.
The best instant or pre-approved business credit cards in February 2026

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The best instant or pre-approved business credit cards in February 2026

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.
Which high-limit business credit card is right for you? February 2026

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Which high-limit business credit card is right for you? February 2026

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