Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Operating activities:
Net loss	$ (32,546)	$ (15,934)
Adjustments to reconcile net loss to net cash used in operating activities
Depreciation and amortization	247	199
Share-based compensation	163	340
Amortization of operating lease right-of-use assets	433	241
Change in fair value of loans	(1,599)	1,963
Net realized loss on sale of loans held for investment	14,857	0
Net realized loss on sale of held for sale loans	2,214	0
Impairment of operating lease right-of-use asset	58	0
Loss on discarded assets	1	0
Impairment of intangible assets	511	0
Gain on repayment of debt	(36)	0
Changes in operating assets and liabilities:
Originations of held for sale loans	(12,359)	(8,843)
Additional fundings of held for sale loans	(4,880)	(3,857)
Proceeds from sales of held for sale loans	21,239	0
Principal payments on held for sale loans	1,088	1,061
Interest receivable	1,177	(1,353)
Amortization of deferred financing fees	73	52
Prepaid expenses and other assets	2,085	(5,177)
Accrued compensation and benefits	0	895
Accounts payable and other accrued liabilities	(4,076)	5,065
Other liabilities and operating lease liabilities	(423)	(1,716)
Net cash used in operating activities	(11,773)	(27,064)
Investing activities:
Website development	0	(1,482)
Purchase of loans held for investment	(350)	(99,087)
Additional fundings of loans held for investment	(6,498)	(10,794)
Proceeds from sales of loans held for investment	30,627	0
Principal payments on loans held for investment	39,131	26,174
Investment in property and equipment	(16)	(60)
Net cash provided by (used in) investing activities	62,894	(85,249)
Financing activities:
Conversion of preferred stock	0	(1,893)
Proceeds from borrowed funds	54,005	95,197
Repayment of borrowed funds	(105,622)	(43,544)
Deferred financing fees	0	(125)
Proceeds and payment of tax withholding on exercise of stock options, net	(235)	25
Repurchase of common stock	(3,328)	(2,881)
Net cash (used in) provided by financing activities	(55,180)	46,779
Net decrease in cash and cash equivalents	(4,059)	(65,534)
Effect of exchange rate changes on cash and cash equivalents	(2)	(41)
Consolidated cash, cash equivalents, and restricted cash, beginning of period	12,774	78,349
Consolidated cash, cash equivalents, and restricted cash, end of period	8,713	12,774
Supplemental disclosure of cash information:
Cash paid for interest	2,987	873
Cash paid for income taxes	573	3,806
Other Disclosures
Right-of-use lease assets recognized - operating leases	0	710
Operating lease liabilities incurred	0	710
Reconciliation of Cash, Cash Equivalents and Restricted Cash
Cash and cash equivalents	8,713	10,727
Restricted cash	0	2,047
Total cash, cash equivalents, and restricted cash	$ 8,713	$ 12,774