Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Operating activities
Net income	$ 26,210	$ 7,612
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	7,693	987
Losses upon impairment of loans, interest and fees receivable recorded at fair value	897	549
Provision for losses on loans, interest and fees receivable	248,383	100,338
Interest expense from accretion of discount on notes	818	890
Income from accretion of merchant fees and discount associated with receivables purchases	(116,252)	(75,517)
Unrealized gain on loans, interest and fees receivable and underlying notes payable held at fair value	(2,982)	(4,195)
Amortization of deferred loan costs	3,518	2,128
Income from equity-method investments	(1,001)	(581)
Gain on repurchase of convertible senior notes	(5,127)
Deferred stock-based compensation costs	1,712	1,323
Lease liability payments	(10,080)
Changes in assets and liabilities:
Decrease (increase) in uncollected fees on earning assets	1,765	(8,754)
Increase (decrease) in income tax liability	5,533	(8,880)
Decrease in deposits	20	126
(Decrease) increase in accounts payable and accrued expenses	(52,720)	(5,411)
Other	(8,424)	32,241
Net cash provided by operating activities	99,963	42,856
Investing activities
Proceeds from equity-method investee	1,520	2,349
Investments in earning assets	(1,098,764)	(607,981)
Proceeds from earning assets	663,805	472,497
Purchases and development of property, net of disposals	(250)	(1,383)
Net cash used in investing activities	(433,689)	(134,518)
Financing activities
Noncontrolling interests contributions	50,500
Issuance costs for nonontrolling interests	(1,500)
Proceeds from issuance of preferred stock	40,000
Proceeds from exercise of stock options	1,215	50
Purchase and retirement of outstanding stock	(2,517)	(723)
Proceeds from borrowings	873,340	632,043
Repayment of borrowings	(592,318)	(469,623)
Net cash provided by financing activities	368,720	161,747
Effect of exchange rate changes on cash	(354)	1,011
Net increase in cash and cash equivalents	34,640	71,096
Cash and cash equivalents and restricted cash at beginning of period	141,754	70,658
Cash and cash equivalents and restricted cash at end of period	176,394	141,754
Supplemental cash flow information
Cash paid for interest	46,302	33,467
Net cash income tax payments	$ 20	$ 4,750