CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and cash equivalents	$ 13,490	$ 29,928
Restricted cash and equivalents	149,299	146,620
Finance receivables measured at fair value	2,476,617	1,749,098
Finance receivables	92,304	232,390
Less: Allowance for finance credit losses	(21,753)	(56,206)
Finance receivables, net	70,551	176,184
Furniture and equipment, net	1,660	1,129
Deferred tax assets, net	10,177	19,575
Accrued interest receivable	649	2,269
Other assets	30,325	34,775
Total Assets	2,752,768	2,159,578
Liabilities
Accounts payable and accrued expenses	55,421	43,648
Warehouse lines of credit	285,328	105,610
Residual interest financing	49,623	53,682
Securitization trust debt	2,108,744	1,759,972
Subordinated renewable notes	25,263	26,459
Total Liabilities	2,524,379	1,989,371
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity
Preferred stock	0	0
Common stock, no par value; authorized 75,000,000 shares; 20,131,323 and 21,143,764 shares issued and outstanding at December 31, 2022 and December 31, 2021, respectively	28,906	55,298
Retained earnings	202,514	116,531
Accumulated other comprehensive loss	(3,031)	(1,622)
Total stockholders' equity	228,389	170,207
Total liabilities and stockholders' equity	2,752,768	2,159,578
Series A Preferred Stock [Member]
Shareholders' Equity
Preferred stock	0	0
Series B Preferred Stock [Member]
Shareholders' Equity
Preferred stock	$ 0	$ 0