Do we even know whether they have enough funding to last 6 months?
IIRC, their SEC S-1 stated that they have enough funding only until the end of this year.
With the ~2 mill per month burn rate, they shouldn't have until the end of the year operating as normal. They would have to make drastic cuts to do so.
They could have picked up additional venture capital. They could have picked up a venture loan backed by their loan assets. Right now, Prosper's financial fitness is a complete black box. They could be doing OK. They could just be skating by. They could be going all Maddoff & getting into a situation where the cost of business operations today is being paid for by the loan assets they have in place.
Being in the dark on a financial situation like this should not led credence to their position. If they aren't telling us, we have to assume the worst. And given their past behavior it would be extremely prudent not to bank of unicorn kisses & fluffy bunny poofs.