CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash Flows from Operating Activities
Net income (loss)	$ (77,678)	$ (51,870)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Depreciation and amortization	8,210	6,221
Stock-based compensation expense, net of amounts capitalized	25,887	16,417
Provision for bad debt	7,101	2,518
Other non-cash, net	325	496
Changes in operating assets and liabilities, net of effects from purchases of businesses:
Trade receivables	64,326	(111,953)
Other current assets	(4,196)	(3,887)
Accounts payable	(98,385)	223,510
Accrued payroll	(292)	4,260
Accrued other liabilities	252	1,518
Deferred revenue	(1,015)	1,690
Other long-term liabilities	345	(75)
Other assets	(189)	(428)
Net cash provided by (used in) operating activities	(75,309)	88,417
Cash Flows from Investing Activities
Net increase in finance receivables	(32,131)	(26,972)
Purchases of property and equipment	(2,652)	(2,197)
Capitalization of software costs	(14,145)	(8,546)
Purchases of marketable securities	(217,706)	0
Maturities and redemptions of marketable securities	21,216	0
Acquisition of businesses (net of cash acquired)	(18,913)	(59,931)
Net cash provided by (used in) investing activities	(264,331)	(97,646)
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	385,738
Proceeds from long term debt	200,000	5,250
Payments towards long term debt	(130,000)	(9,582)
Payments towards promissory note	0	(2,637)
Proceeds from exercise of stock options	999	1,100
Payments for debt issuance and other financing costs	0	(1,385)
Payment of RSU tax withholdings in exchange for common shares surrendered by RSU holders	(3,475)	(1,329)
Proceeds from employee stock purchase plan	930	0
Net cash provided by (used in) financing activities	68,454	377,155
Effect of exchange rate changes on cash, cash equivalents, and restricted cash	(33)	0
Net increase (decrease) in cash, cash equivalents, and restricted cash	(271,219)	367,926
Cash, cash equivalents, and restricted cash, beginning of period	565,994	233,725
Cash, cash equivalents, and restricted cash, end of period	294,775	601,651
Cash paid (received) during the period for:
Interest (income) expense	(1,630)	(522)
Income taxes	334	210
Cash paid included in the measurement of operating lease liabilities	1,024	0
Non-cash investing and financing activities:
Stock-based compensation included in capitalized software development costs	1,398	0
Purchase of property and equipment and internal use software in accounts payable	$ 1,401	$ 410