Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Cash flows from operating activities:
Net income (loss)	$ 37,538	$ 8,539
Adjustments to reconcile net income to net cash provided by operating activities:
Change in fair value of finance receivables	164,463	162,280
Provision for credit losses on finance receivables	4,131	2,043
Depreciation and amortization	9,827	10,056
Debt issuance cost amortization	1,872	1,626
Stock-based compensation expense	3,070	2,391
Loss on disposition of equipment	1	2
Lower of cost or market adjustment on transfer of finance receivables from held for sale to held for investment	(2,983)	0
Deferred income taxes	248	1,475
Tax receivable agreement liability	0	625
Change in fair value of warrant liabilities	(838)	(7,024)
Gain on forgiveness of debt	(113)	0
Changes in assets and liabilities:
Accrued interest and fees receivable	(600)	(4,637)
Settlement receivable	(902)	0
Operating lease, net	(54)	8
Other assets	1,398	1,131
Accounts payable	(2,769)	580
Accrued expenses	(701)	(6,832)
Net cash provided by operating activities	213,588	172,263
Cash flows from investing activities:
Finance receivables originated and acquired	(540,313)	(556,441)
Finance receivables repayments	367,217	323,146
Purchases of equipment and capitalized technology	(6,887)	(10,150)
Net cash used in investing activities	(179,983)	(243,445)
Cash flows from financing activities:
Member distributions	(10,240)	(1,315)
Net payments of secured borrowing payable	(643)	(20,685)
Net (payments) advances of senior debt	(2,907)	86,464
Net payments of note payable	(1,857)	(735)
Payments for debt issuance costs	(1,649)	(2,105)
Proceeds from employee stock purchase plan	328	125
Payments of tax withholding on vesting of restricted stock units	(280)	0
Repurchases of common stock	0	(2,460)
Net cash (used in) provided by financing activities	(17,248)	59,289
Net increase (decrease) in cash and restricted cash	16,357	(11,893)
Cash and restricted cash
Beginning	49,670	62,362
Ending	66,027	50,469
Supplemental disclosure of cash flow information:
Interest paid on borrowed funds	32,276	22,296
Income taxes paid	73	337
Supplemental disclosure of non-cash activities:
Adjustments to additional paid-in capital as a result of tax receivable agreement	938	292
Adjustments to additional paid-in capital as a result of adjustment to deferred tax asset	(671)	0
Operating lease right of use asset recognized	159	15,459
Operating lease liability recognized	159	17,972
Reclassification of finance receivables held for sale to held for investment	2,637	0
Prepaid insurance financed with promissory notes	$ 2,414	$ 3,243