A loan becomes "compromised" when there are no more reasonable expectations for further payments. Compromising usually occurs when a loan exceeds 120 days without being paid ( no later than 60 days after the "Default" status).

Fagura can sell compromised loans to a third party. If a compromised loan is sold to a third party or if funds are recovered on a loan that has previously been compromised, investors will receive a proportional share of the proceeds of the sale, or the amount of the recovery, excluding taxes. In general, recoveries for previously compromised loans are rare.