Balance Sheet Components (Tables)

9 Months Ended

Sep. 30, 2024

Other Assets [Abstract]

Schedule of Other Assets

Other assets consisted of the following:

	December 31, 2023		September 30, 2024
Receivables	$	40,490	$	46,076
Line of credit receivable (at fair value)(3)	—		31,514
Loan servicing assets (at fair value)	28,092		26,705
Other assets	18,589		21,685
Prepaid expenses	17,976		19,549
Notes receivable and residual certificates (at fair value)	14,847		10,318
Intangible assets, net(2)	11,356		9,716
Deposits	8,919		4,950
Interest rate caps (at fair value)(1)	5,958		2,139
Total other assets	$	146,227	$	172,652

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(1)Refer to “Note 4. Derivative Financial Instruments” for further information.

(2)Refer to “Note 7. Goodwill and Intangible Assets” for further information.

(3)Refer to “Note 6. Fair Value Measurement” for further information.

Schedule of Property, Equipment, and Software

Property, equipment, and software, net consisted of the following:

	December 31, 2023		September 30, 2024
Internally developed software	$	55,008	$	63,551
Leasehold improvements	14,281		15,069
Computer and networking equipment	6,054		6,069
Furniture and fixtures	4,761		4,795
Total property, equipment, and software	80,104		89,484
Accumulated depreciation and amortization	(37,449)		(51,156)
Total property, equipment, and software, net	$	42,655	$	38,328

Schedule of Accrued Expenses and Other Liabilities

Accrued expenses and other liabilities consisted of the following:

	December 31, 2023		September 30, 2024
Accrued expenses	$	28,099	$	35,364
Accrued payroll	30,161		31,336
Accounts payable	12,613		22,617
Beneficial interest liabilities (at fair value)	4,221		13,162
Trailing fee liability (at fair value)	4,251		4,345
Other liabilities	2,668		3,628
Loan servicing liabilities (at fair value)	2,038		1,164
Total accrued expenses and other liabilities	$	84,051	$	111,616