Peer to peer lending is a unique for many reasons, but one that is often overlooked in my opinion is the cash flow both LendingClub and Prosper accounts provide. As I touched in a recent post about the complaints of peer to peer lending, liquidity is one of the biggest complaints. I offered a counterpoint that the short duration of peer to peer lending investments make them relatively liquid. If you’re wanting to be able to cash out your entire account instantly, peer to peer lending probably isn’t for you – at least for now. I imagine we will see some improvements in liquidity in 2015, but for now – it is slow in, slow out.