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

Best business credit cards for fair credit in 2026

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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?

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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?

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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

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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? May 2026

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

The best high-limit business credit cards combine purchasing power with other benefits, like built-in expense management. See our top picks.
Best net 30 accounts to build business credit in 2026

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Best net 30 accounts to build business credit in 2026

Net 30 accounts are trade credit arrangements where vendors extend 30-day terms and report on-time payments to business credit bureaus to build business credit.