CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Cash Flows from Operating Activities
Net income (loss)	$ (54,010)	$ (27,067)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Depreciation and amortization	5,101	3,728
Stock-based compensation expense, net of amounts capitalized	16,293	6,630
Provision for bad debt	4,100	1,589
Other non-cash, net	406	469
Changes in operating assets and liabilities, net of effects from purchases of businesses:
Trade receivables	(6,154)	(131,479)
Other current assets	(134)	(4,209)
Accounts payable	(39,475)	215,286
Accrued payroll	(317)	4,208
Accrued other liabilities	895	1,532
Deferred revenue	739	2,182
Other long-term liabilities	213	163
Other assets	(209)	(218)
Net cash provided by (used in) operating activities	(72,552)	72,814
Cash Flows from Investing Activities
Net increase in finance receivables	(33,892)	(18,153)
Purchases of property and equipment	(1,809)	(1,664)
Capitalization of software costs	(8,689)	(4,597)
Purchases of marketable securities	(197,312)	0
Maturities and redemptions of marketable securities	2,000	0
Acquisition of businesses (net of cash acquired)	(18,913)	0
Net cash provided by (used in) investing activities	(258,615)	(24,414)
Cash Flows from Financing Activities
Proceeds from issuance of common stock in connection with initial public offering, net of underwriting discounts and commissions and other offering costs	0	385,852
Proceeds from long term debt	130,000	5,250
Payments towards long term debt	(60,000)	(9,582)
Proceeds from exercise of stock options	759	679
Payment of RSU tax withholdings in exchange for common shares surrendered by RSU holders	(2,556)	0
Proceeds from employee stock purchase plan	930	0
Net cash provided by (used in) financing activities	69,133	382,199
Effect of exchange rate changes on cash, cash equivalents, and restricted cash	(18)	0
Net increase (decrease) in cash, cash equivalents, and restricted cash	(262,052)	430,599
Cash, cash equivalents, and restricted cash, beginning of period	565,994	233,725
Cash, cash equivalents, and restricted cash, end of period	303,942	664,324
Cash paid (received) during the period for:
Interest (income) expense	(201)	(185)
Income taxes	299	112
Cash paid included in the measurement of operating lease liabilities	662	0
Non-cash investing and financing activities:
Stock issuance costs in accounts payable	0	140
Stock-based compensation included in capitalized software development costs	750	0
Purchase of property and equipment and internal use software in accounts payable	$ 288	$ 858