Multi-modal retrieval has become increasingly critical for handling the growing volume of integrated visual-textual data in real-world applications, but existing frameworks rely on implicit fusion via text encoder self-attention, limiting explicit cross-modal semantic alignment. To address this gap, this paper proposes UniCA (Unified Cross-Attention Encoder), a multi-modal retrieval model with four key innovations: 1) a bi-directional cross-attention (Bi-CA) block that enables active semantic exchange between visual and textual tokens prior to concatenation, capturing inter-modal correlations more efficiently. 2) a Positive Similarity Loss that optimizes absolute semantic proximity between query and positive candidate embeddings. 3) a streamlined dataset UMR-S10 (Universal Multimodal Retrieval Sample 10%) to reduce computational costs while retaining semantic diversity and task representativeness. 4) an experimental validation on the WebQA benchmark demonstrates that UniCA outperforms the baseline model across Hybrid and Image-Text tasks, achieving improvements of up to 4.09% in Recall@5, 3.28% in Recall@10, and 3.96% in MRR@1 for the hybrid task. UniCA provides an efficient and robust solution for multi-modal retrieval, lowering deployment barriers through its lightweight dataset and enhanced fusion mechanism.

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