One from of revolving credit that has grown rapidly in recent years is the use of business credit cards. Many small businesses today have come to depend upon credit cards as a source of operating capital , thus avoiding having to get approval for every lone request. Increasingly popular is credit-card receivables financing in which merchants receive cash advances and pay them off from their credit-card sales. Unfortunately , the interest rates charged usually are high and if a personal card is used, the business borrower wind up being personally liable for the business's debts