Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Current assets
Cash and cash equivalents	$ 234,679	$ 432,608
Restricted cash	12,769	6,446
Short-term investments	70,029	0
Accounts receivable, net	19,223	15,363
Inventory	74,590	22,694
Loans held for sale	21,985	4,913
Prepaid expenses	14,822	11,916
Other current assets	3,496	2,307
Total current assets	451,593	496,247
Property and equipment, net	39,577	25,187
Right-of-use assets, net	52,004
Long-term investments	30,978	0
Goodwill and intangibles, net	11,504	11,992
Other non-current assets	10,557	9,395
Total assets	596,213	542,821
Current liabilities
Accounts payable	2,122	2,516
Accrued liabilities	37,979	30,837
Other payables	7,884	6,544
Warehouse credit facilities	21,302	4,733
Secured revolving credit facility	4,444	0
Current lease liabilities	11,408
Current portion of deferred rent	43	1,588
Total current liabilities	85,182	46,218
Non-current lease liabilities	59,869
Deferred rent		11,079
Convertible senior notes, net	119,716	113,586
Total liabilities	264,767	170,883
Stockholders’ equity
Common stock—par value $0.001 per share; 500,000,000 shares authorized; 93,001,597 and 90,151,341 shares issued and outstanding, respectively	93	90
Additional paid-in capital	583,097	542,829
Accumulated other comprehensive income	42	0
Accumulated deficit	(251,786)	(170,981)
Total stockholders’ equity	331,446	371,938
Total liabilities and stockholders’ equity	$ 596,213	$ 542,821