Your Property.
Working Capital.

Why a Real Estate–Secured Loan Beats Stacking Another MCA

If your business has been paying down an MCA — or two or three — you already know how a daily debit grinds at cash flow. The fix isn't another short-term advance on top. It's capital from a different instrument entirely: a loan backed by real estate you already own.

Real estate–secured business loans replace a daily MCA payment with weekly or monthly payments, stretch the term to years instead of months, and unlock loan sizes well past what unsecured advances can write. Approval leans on the equity in the property, so credit issues, existing MCA debt, and payment history hiccups that block unsecured lenders are often workable here.

Real Estate–Secured Business Loan vs. Merchant Cash Advance

Who Qualifies

The bar is structurally different from unsecured business funding. Three things matter:

• You own real estate in the continental U.S. — commercial property, investment real estate, multifamily or mixed-use, or in some programs a primary residence.
• Your business is operating. Most of our partners look for at least a year in business; a few are more flexible.
• The funds are deployed in the business — working capital, debt consolidation, payroll, expansion, equipment, inventory, marketing, or acquiring a competitor. Personal cash-out is not eligible.

What our panel can usually work around

• Low or no minimum FICO score
• No monthly revenue or deposit minimum
• Existing merchant cash advances, NSFs, missed payments
• Prior bankruptcy, default, or past-due mortgage
• Second or third lien position behind an existing mortgage
• Foreign nationals with an ITIN (for some programs)

Not every partner accepts every profile — that's why applying through a panel instead of going direct to a single lender materially raises your odds of an approval. We see your property, your business, and your situation, and we send the file to the lender whose box you actually fit in.

What You Can Do With the Funds

• Pay off stacked MCAs. The single most common use. Consolidate three or four daily-debit positions into one weekly or monthly payment.
• Working capital cushion. Payroll, inventory, rent, seasonal swings, supplier prepayments.
• Fund expansion. New location, additional crew, build-out, second shift.
• Acquire a competitor or roll up a book of business. Larger loan sizes than unsecured funding can usually support.
• Equipment, vehicles, inventory. When equipment financing won't cover the use case or moves too slowly.
• Marketing and growth. Sales hires, ad spend, infrastructure.

How the Process Works

1. Apply in about 5 minutes. Standard business application — you'll flag that you own property and want to use it.
2. We match. Your file goes to the partner(s) on our panel whose program fits your property type, business profile, state, and use case.
3. You receive offers. One or more partners send a term sheet showing loan amount, term, payment frequency, and total payback. You compare side-by-side.
4. You pick. We close. Title, appraisal, and lien work happens with the partner you choose. Typically 1 – 3 weeks to fund.

Frequently Asked Questions

What property types are eligible?

Commercial buildings, mixed-use, multifamily, investment properties, industrial — and in some programs, primary residences. Land is eligible for some partners. Vacant commercial, churches, cemeteries, gas stations, golf courses, and ground-up construction are typically not eligible. We'll confirm property type fit during review.

Does my property need to be free and clear?

No. Several of our partners take second-position liens behind an existing mortgage. A few will consider third position case-by-case. As long as there's sufficient equity to cover the loan, you don't have to pay off your existing mortgage first.

I have stacked MCAs — am I disqualified?

Often no. Several panel partners specifically accept borrowers with existing MCA debt, and the cash-out loan is frequently used to pay those off. The math has to work — your property equity needs to support both the consolidation and any ongoing working capital you're asking for — but the existing MCA isn't automatically a deal-killer the way it is on most unsecured products.

What if my credit is rough?

Many of our partners have no minimum FICO at all — the equity in the property and the business's ability to service the payment matter more. Other partners weight credit more heavily but still accept past bankruptcy, NSFs, and default with rate adjustments rather than outright declines.

How long does it take to fund?

Typically 1 – 3 weeks from application to funding — slower than a merchant cash advance, much faster than a bank refi. Speed depends on title and appraisal turnaround in your state.

What states do you cover?

Most continental U.S. states. Some states have program-by-program restrictions for residential collateral specifically, and a handful of states are excluded by certain partners due to state lending or interest-rate laws. We'll confirm state availability and matched partners during the review step.

Will applying hurt my credit?

Submitting an application to us is a soft inquiry. A hard pull only happens once a specific partner moves your file to a formal underwriting offer — and only with your authorization.

Is the offer guaranteed?

No. Final approval, terms, and program availability are set by each lending partner based on the property appraisal, title review, business profile, and lien position. We can improve your odds dramatically by routing to the right partner; we can't override their underwriting decision.

Property Equity is Dead Weight Until You Put it to Work

If you've been carrying business debt and a property at the same time, your equity has been sitting idle while your cash flow gets squeezed. A real estate cash-out moves that equity into the business — bigger ticket, longer runway, and payment terms that don't bleed your operating account every morning.

Start your application — it takes about 5 minutes. We'll match you with partner(s) and you'll see term sheets within days.

Disclosure: Real estate–secured business funding is offered through OneDay Capital's partnerships with multiple direct lenders. All loans are subject to underwriting, property appraisal, title review, lien verification, and final approval by the lending partner. Loan amount, term, factor or interest rate, payment frequency, lien position requirements, eligible property types, and state availability are determined by each partner based on the property and business profile. OneDay Capital is a referral partner; we are not the lender on this product. Some programs may be unavailable in certain states due to state lending laws.