Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash flows from operating activities:
Net income	$ 10,131	$ 3,930
Adjustments to reconcile net income to net cash provided by operating activities:
Change in fair value of finance receivables	64,102	63,118
Provision for credit losses on finance receivables	27	70
Depreciation and amortization	2,725	3,391
Debt issuance cost amortization	550	764
Stock-based compensation expense	1,004	1,139
Loss on disposition of equipment	2	0
Loss on assets held for sale	0	147
Deferred income taxes	354	109
Change in fair value of warrant liabilities	(5,171)	(153)
Gain on forgiveness of debt	0	(113)
Changes in assets and liabilities:
Accrued interest and fees receivable	3,091	2,982
Settlement receivable	138	(843)
Operating lease, net	(35)	(15)
Assets held for sale	0	(75)
Other assets	(55)	158
Accounts payable	(458)	(2,627)
Accrued expenses	(1,978)	(6,345)
Net cash provided by operating activities	74,427	65,637
Cash flows from investing activities:
Finance receivables originated and acquired	(152,548)	(155,499)
Finance receivables repayments	136,672	129,314
Purchases of equipment and capitalized technology	(2,129)	(2,115)
Net cash used in investing activities	(18,005)	(28,300)
Cash flows from financing activities:
Member distributions	(8,372)	(5)
Payments of secured borrowing payable	0	(643)
Net payments of senior debt - revolving lines of credit	(32,477)	(14,116)
Payments of note payable	(725)	(808)
Payments for debt issuance costs	0	(218)
Proceeds from employee stock purchase plan	119	157
Payments of tax withholding on vesting of restricted stock units	(189)	0
Net cash used in financing activities	(41,644)	(15,633)
Net increase in cash and restricted cash	14,778	21,704
Cash and restricted cash
Beginning	73,943	49,670
Ending	88,721	71,374
Supplemental disclosure of cash flow information:
Interest paid on borrowed funds	11,142	10,125
Income taxes paid	146	10
Non-cash financing activities:
Adjustments to additional paid-in capital as a result of tax receivable agreement	346	(187)
Adjustments to additional paid-in capital as a result of adjustment to deferred tax asset	$ 224	$ (61)