If your investment is labeled as “pending”, no funds have been drawn from your bank account yet. When an investment is pending, the trade has just been initiated. If an investment is labeled as “funded”, then your trade has been approved and the funds have been drawn from your bank account. If an investment is labeled as “complete”, then the trade is settled. This stage can take between 3 and 5 business days. If you wish to cancel a trade shortly after initiating it, funds can only be sent back once the trade has been labeled as “completed”. This sequence takes approximately 6-10 days.