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

6 easiest business credit cards to get in 2026

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6 easiest business credit cards to get in 2026

The easiest business credit cards include secured cards, fair-credit cards, and revenue-based corporate cards with fast decisions or no personal guarantee.
How many business credit cards should you have?

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How many business credit cards should you have?

The number of business credit cards a company needs depends on its spending, overall credit profile, cash flow, rewards strategy, and employee card needs.
Assets vs. liabilities: Key differences and examples

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Assets vs. liabilities: Key differences and examples

Assets are resources a business owns or controls, while liabilities are obligations it owes to creditors, suppliers, lenders, investors, and other parties.
How to get a business credit card without a business

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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.
Liabilities vs. expenses: Key differences explained

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Liabilities vs. expenses: Key differences explained

Liabilities are debts a business owes and appear on the balance sheet. Expenses are costs incurred to generate revenue and appear on the income statement.
Which high-limit business credit card is right for you? August 2026

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

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