PROPERTY AND EQUIPMENT (Tables)

6 Months Ended

Jun. 30, 2026

Property, Plant, and Equipment [Abstract]

SCHEDULE OF PROPERTY AND EQUIPMENT

Property and equipment consisted of the following:

(Dollars in thousands)	June 30, 2026			December 31, 2025
Internal-use software	$	16,363		$	15,455
Furniture and fixtures		57			55
Leasehold improvements		151			151
Computers and hardware		27			22
Total		16,598			15,683
Less accumulated depreciation and amortization		(5,546	)		(3,973	)
Total property and equipment, net	$	11,052		$	11,710

SCHEDULE OF INTERNAL-USE SOFTWARE

Internal-use software consisted of the following:

(Dollars in thousands)	June 30, 2026			December 31, 2025
Internal-use software	$	16,363		$	15,455
Less accumulated amortization		(5,328	)		(3,773	)
Total internal-use software, net	$	11,035		$	11,682

SCHEDULE OF ESTIMATED FUTURE AMORTIZATION EXPENSE OF INTERNAL-USE SOFTWARE

The estimated future amortization expense of internal-use software as of June 30, 2026 was as follows:

(Dollars in thousands)
Remaining 2026	$	1,636
2027		3,273
2028		3,273
2029		2,570
2030		203
Thereafter		80
	$	11,035