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

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

ARTICLE

The best instant or pre-approved business credit cards in June 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.
Bookkeeping vs. accounting: Key differences explained

ARTICLE

Bookkeeping vs. accounting: Key differences explained

Bookkeeping records transactions while accounting analyzes and interprets them to support business decisions, tax compliance, and financial planning.
Best business credit cards for fair credit in 2026

ARTICLE

Best business credit cards for fair credit in 2026

Business credit cards for fair credit (580–669 FICO) include secured cards, unsecured options, and corporate charge cards that bypass personal credit checks.
Is business credit card interest tax-deductible?

ARTICLE

Is business credit card interest tax-deductible?

Business credit card interest is generally tax-deductible as a business expense under IRS rules, provided the card is used exclusively for business purchases.
Can you get a business credit card without a business?

ARTICLE

Can you get a business credit card without a business?

Freelancers and sole proprietors can qualify for a business credit card without an LLC. Here's what issuers look for and how to apply.
Liabilities vs. expenses: Key differences explained

ARTICLE

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.