Although we approve Amazon sellers with great credit history and revenue, defaults are inevitable. Upfund has an industry low default rate of 0.03%. We recommend our auto invest feature to diversify your Upfund portfolio. Before a default is determined we attempt to work out payment arraignments with the seller. If we are unable to arrange a payment, the seller is turned over to our collection agency. As the collection agency receives payments, Upfund will distribute to the crowd.