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We have compiled a list of the most commonly asked questions about our services and policies for your convenience. Please feel free to contact us if your question is not listed here.

Q: Can you explain Relationship Lending?

A: Relationship lending is a lending method where long-term borrower relationships are preferred over quick profit. This approach helps us understand a borrower's needs, thereby tailoring our lending solutions accordingly, improving loan approval chances, and enhancing customer satisfaction.


Q: What's a hard money loan?

A: A hard money loan is a short-term loan secured by real estate, commonly used by real estate investors or developers for quick capital access, often for projects like fix-and-flip, bridge, or construction loans.


Q: How do hard money loans differ from traditional ones?

A: Hard money loans, although more costly than traditional loans, are easier to secure with less stringent requirements and quicker funding times. They are more dependent on the asset than the borrower's financial situation.


Q: What's the approval time for loans?

A: At Copa Capital Partners, most approvals are provided within 30 minutes by our experienced Loan Officers. All approvals are guaranteed within 24 hours.


Q: How can I make a payment?

A: Payments are due on the 1st and late by the 10th of each month. We recommend automatic payments for convenience and promptness. For manual payments, call us at 602-715-2150 to authorize an ACH pull from your bank account.


Q: What is the process to request a draw?

A: First, inspect your property and take 12-15 photos. Then, provide a detailed breakdown of your expenses as per your original budget. Submit this information to for review. Draw requests before 2:00pm Arizona time are processed the same day with funding the following day.


Q: Can I use Copa Capital Partners for my primary residence?

A: No, we fund business purpose loans, hence financing a primary residence is not possible with Copa Capital Partners.


Q: How can I request a payoff?

A: Provide both our payoff email,, and our phone number, 602-715-2150, to the title company. For self-payoffs, request it from


Q: What should I do if my loan maturity is nearing?

A: Contact our extension department at prior to your loan's maturity date. An extension requires a property status update, title search, and property inspection. The extension is finalized upon signing the extension document and paying the extension fee.


Q: What insurance is needed for the property?

A: Consult a qualified insurance agent for advice. At a minimum, Copa requires a Landlord Policy with either a vacancy or a construction rider. The policy must cover the full home replacement cost. Lapsed policies will be forcibly replaced by Copa.


Q: What constitutes a Default?

A: Default conditions are outlined in your loan documents, with non-payment being the most common. Around day 31 of non-payment, the foreclosure process commences. Remedies are available during foreclosure, consult with our default management group for solutions.


Q: How are statements handled?

A: Statements are emailed around the 25th each month with payments due on the 1st. For statement inquiries, call us at 602-715-2150.

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