PBL 94

It's >90 days overdue, so interest is accruing and will only be paid if and when recovered from the borrower.

EDIT: More detailed explanation:

When a loan is made, it is "IOA" (interest on account). This means that when the loan is made Lendy deducts from the amount given to the borrower the interest for the entire term, holds it, and distributes it to investors at each month end. Effectively, during the term, receipt of interest is guaranteed.

Once overdue, for the first 90 days, interest is "SBL" (serviced by Lendy). In other words, it continues to be paid by Lendy, so it's "guaranteed" (so long as Lendy has cash) for those 90 days also.

After that, interest is "IA" (interest accruing), so is only paid if and when recovered from the borrower. Once overdue by 180 days, it is "DEF" (default) which is effectively the same as IA except moved to a different page for SM purposes.

180 days overdue, "subject to credit committee discretion". So far that discretion has not been exercised, and everything has become DEF effectively automatically.