Where does my money go?

Can someone explain to me where the money is distributed in the various accounts on AC? According to AC they have told me that they said they will invest up to 20% of my funds into any one loan, does this apply to all the accounts except the manual account,  also as I understand it if a loan has any repayment issue my money is locked into that account and the recovery process can take months or years to recover,  does the same apply to the quick access account and the 30 day notice accounts? If a loan does not repay on time my money gets frozen in the instant and 30 day account too,  I know the money gets locked into the blue and green account,  I find it hard to understand. 

I want to invest in the instant and 30 days notice accounts but don't want to get money locked in,  can you please explain how it works,  I have looked at the ac website and unless I have missed or misunderstood something  I'm non the wiser. 

Thank you