When you want to cash out money, Invest & Access automatically sells loans in your portfolio to other investors using Invest & Access. Selling usually happens within a few minutes, depending on demand from other investors at that time. You can only sell current loans. If a loan in your portfolio is late, you can get your money when it recovers or buyback kicks in. You can also manually sell late loans on the secondary market from the My Investments page.
If a loan has a pending payment, you can cash out when the payment has been processed.