Delays investing can be a bit frustrating but I have calculated the real effect of a 19 days delay on a new 5 Year loan at 6%. On a £1000 loan it works out as an average of 65p a year . Or to put it another way you would receive £296.75 interest over 5 years rather than £300 ( assuming no reinvestment of interest).
Compared to the risk in P2P of your Capital disappearing down a black hole , some minor cash drag is not really a significant worry.( in my opinion)
Just wish I understood assetzcapital provision fund rules. Also wish for higher rates on Zopa+ and RS to rid itself of MR. Oh, and FS, more rolexes and less property developers please. Apart from that I'm a happy bunny.