With a small business merchant cash advance, the owner of a small business can get many benefits. The best thing about business and merchant cash advances is probably that you can get one even if you have bad credit. The application process is also much faster and easier than getting money from a bank. Another great benefit is that the amount you pay back (the cost of the interest rate) changes from month to month because it is also based on how much money you make from processing credit cards for sales.