Virtually impossible to reinvest-only as a strategy

I have similar reasons for staying in Zopa. I am invested in Longer and am withdrawing the start of of the month repayments. I start re-investing after this and find that nothing moves for about a week, then I get to the front of the queue and everything goes at once.

Overall I think Zopa is finding it tough to compete by offering incredibly cheap loans. The Banks are still stuffed with cheap cash (All those 'great' 0.1% savings deals). My monthly Rate promise compensates for an actual rate as low as 4.7%. 

It is hard to see Zopa growing substantially without a change of direction towards more innovative borrower products.