Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Operating activities
Net income	$ 177,789	$ 93,917
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	2,494	7,952
Provision for losses on loans, interest and fees receivable	36,455	142,719
Interest expense from accretion of discount on notes	453	585
Income from accretion of merchant fees and discount associated with receivables purchases	(166,266)	(110,402)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	218,733	108,548
Amortization of deferred loan costs	5,114	5,137
Income from equity-method investments	(16)	(456)
Loss on repurchase and redemption of convertible senior notes	29,439	0
Deferred stock-based compensation costs	3,240	1,355
Lease liability payments	(10,470)	(10,278)
Gain on sale of property	(599)	0
Changes in assets and liabilities:
Increase in uncollected fees on earning assets	(111,807)	(43,319)
Increase in income tax liability	21,838	20,147
Increase (decrease) in accounts payable and accrued expenses	6,005	(3,096)
Other	(36)	(75)
Net cash provided by operating activities	212,366	212,734
Investing activities
Investments in equity-method investee	(398)	0
Proceeds from equity-method investee	560	998
Proceeds from recoveries on charged off receivables	14,065	13,781
Investments in earning assets	(2,018,760)	(1,330,980)
Proceeds from earning assets	1,535,500	1,024,375
Sale of property	1,100	0
Purchases and development of property, net of disposals	(7,089)	(749)
Net cash used in investing activities	(475,022)	(292,575)
Financing activities
Noncontrolling interests contributions	387	50,000
Proceeds from issuance of Series B preferred stock, net of issuance costs	75,270	0
Preferred dividends	(21,809)	(13,561)
Proceeds from exercise of stock options	1,885	1,326
Purchase and retirement of outstanding stock	(25,219)	(3,353)
Proceeds from issuance of Senior notes, net of issuance costs	142,832	0
Proceeds from borrowings	923,477	588,229
Repayment of borrowings	(586,495)	(460,256)
Net cash provided by financing activities	510,328	162,385
Effect of exchange rate changes on cash	(5)	23
Net increase in cash and cash equivalents and restricted cash	247,667	82,567
Cash and cash equivalents and restricted cash at beginning of period	258,961	176,394
Cash and cash equivalents and restricted cash at end of period	506,628	258,961
Supplemental cash flow information
Cash paid for interest	47,608	46,526
Net cash income tax payments	19,946	327
Increase in accrued and unpaid preferred dividends	$ 254	$ 3,209