Unaudited Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Cash flows from operating activities
Net income (loss)	$ 11,835	$ (18,703)
Adjustments to reconcile net loss to net cash provided by operating activities:
Provision for loan losses	108,688	118,495
Depreciation and amortization	6,232	7,623
Amortization of debt issuance costs	5,575	2,777
Stock-based compensation	8,852	9,521
Amortization of net deferred origination costs	41,180	36,419
Changes in servicing rights, at fair value	223	1,440
Gain on sales of loans	0	(1,890)
Unfunded loan commitment reserve	829	227
Gain on extinguishment of debt	0	(312)
Loss on disposal of fixed assets	5,667	0
Gain on lease termination	(1,481)	0
Changes in operating assets and liabilities:
Other assets	(7,064)	2,106
Accounts payable	2,977	(2,353)
Interest payable	(198)	91
Accrued expenses and other liabilities	(1,128)	(7,641)
Originations of loans held for sale	0	(44,489)
Capitalized net deferred origination costs of loans held for sale	0	(1,128)
Proceeds from sale of loans held for sale	0	45,921
Principal repayments of loans held for sale	0	1,039
Net cash provided by operating activities	182,187	149,143
Cash flows from investing activities
Purchases of property, equipment and software	(677)	(1,129)
Capitalized internal-use software	(3,738)	(2,226)
Originations of term loans and lines of credit, excluding rollovers into new originations	(1,566,889)	(1,302,889)
Proceeds from sale of loans held for investment	0	12,396
Payments of net deferred origination costs	(46,659)	(32,747)
Principal repayments of term loans and lines of credit	1,324,078	1,220,673
Purchase of loans	(801)	(13,730)
Net cash used in investing activities	(294,686)	(119,652)
Cash flows from financing activities
Investments by noncontrolling interests	3,403	3,443
Purchase of treasury shares	(801)	(864)
Proceeds from exercise of stock options and warrants	76	490
Issuance of common stock under employee stock purchase plan	1,435	1,838
Payments of debt issuance costs	(5,460)	(3,228)
Distribution to noncontrolling interest	0	(1,000)
Net cash provided by (used in) financing activities	118,589	(33,280)
Effect of exchange rate changes on cash and cash equivalents	(691)	824
Net increase (decrease) in cash, cash equivalents, and restricted cash	5,399	(2,965)
Cash, cash equivalents, and restricted cash at beginning of year	114,824	123,986
Cash, cash equivalents, and restricted cash at end of period	120,223	121,021
Reconciliation to amounts on consolidated balance sheets
Total cash, cash equivalents and restricted cash	114,824	123,986
Supplemental disclosure of other cash flow information
Cash paid for interest	32,329	31,467
Supplemental disclosures of non-cash investing and financing activities
Stock-based compensation included in capitalized internal-use software	180	154
Unpaid principal balance of term loans rolled into new originations	258,220	220,925
Funding debt
Cash flows from financing activities
Proceeds from the issuance of debt	672,522	133,318
Repayment of debt	(544,586)	(156,477)
Corporate debt
Cash flows from financing activities
Proceeds from the issuance of debt	25,000	24,200
Repayment of debt	$ (33,000)	$ (35,000)