When your business needs working capital fast, the first question is: Where should you turn — a traditional bank loan or a merchant cash advance (MCA)?

At One Turn Solutions, we help businesses cut through the red tape and get connected with the right funding options — without the stress. Let’s break down the key differences so you can make the best choice for your business, especially when time is money.

⏱️ Speed: Who Funds Faster?

Bank Loans: The approval process can take weeks, sometimes even months. Banks require detailed documentation, credit checks, business plans, and multiple approvals.

Merchant Cash Advances: Approval can happen in hours, with funding in as little as 24–48 hours. Perfect for businesses that need capital now, not later.

✅ Winner: Merchant Cash Advance — Ideal for urgent funding needs.

🧾 Paperwork & Requirements

Bank Loans: You’ll need years of tax returns, bank statements, collateral, and often a minimum credit score of 680+.

MCAs: Minimal documentation. In most cases, just 3–6 months of bank or credit card statements are enough.

✅ Winner: Merchant Cash Advance — Less red tape, more speed.

💳 Repayment Terms

Bank Loans: Set monthly payments over a fixed term. Lower interest rates, but stricter schedules.

MCAs: Repaid through a percentage of your daily sales. Flexible, but often with higher effective costs.

⚖️ Depends on Your Cash Flow — MCA offers flexibility; bank loans offer structure.

Who Should Use What?

Choose a Bank Loan if you have strong credit, plenty of time, and want lower-cost, long-term capital.

Choose an MCA if you need fast funding, have less-than-perfect credit, or experience high-volume daily sales.

💡 Final Thoughts from One Turn Solutions

In today’s economy, business owners can’t afford delays. Whether you’ve got payroll tomorrow or need inventory ASAP, waiting on a bank loan might cost you opportunities.

That’s where One Turn Solutions steps in.

We simplify funding. Whether it’s an MCA, line of credit, term loan, or unsecured working capital, our team connects you with the best fit — fast.

Get funded without the hassle.