Consolidated Statements of Operations and Comprehensive Income (unaudited) - USD ($)		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Revenues [Abstract]
Total revenue		$ 69,957,691	$ 40,844,201	$ 172,904,830	$ 110,455,297
Operating Expenses
Personnel		13,423,723	11,079,174	37,185,286	34,670,235
Transaction expense		12,761,438	9,936,804	35,290,202	26,121,338
Third-party technology and data		2,386,490	2,002,515	6,723,895	5,655,321
Marketing, advertising, and tradeshows		2,725,615	3,615,339	4,375,579	10,128,175
General and administrative		2,416,951	2,184,076	7,318,511	6,679,915
Provision for credit losses		15,402,303	6,676,548	30,636,149	12,667,346
Total operating expenses		49,116,520	35,494,456	121,529,622	95,922,330
Operating Income		20,841,171	5,349,745	51,375,208	14,532,967
Other Income (Expense)
Net interest expense		(3,327,998)	(4,143,258)	(10,320,573)	(11,453,751)
Other income (expense), net		96,057	14,560	54,624	1,206,800
Fair value adjustment on warrants		0	89,227	(1,261,556)	(79,268)
Loss on extinguishment of line of credit		0	0	(259,706)	0
Income before taxes		17,609,230	1,310,274	39,587,997	4,206,748
Income tax expense (benefit)		2,162,989	15,874	(13,567,130)	48,024
Net Income		15,446,241	1,294,400	53,155,127	4,158,724
Other Comprehensive Income (Loss)
Foreign currency translation adjustment		71,598	(358,465)	(2,353)	(199,586)
Total Comprehensive Income		$ 15,517,839	$ 935,935	$ 53,152,774	$ 3,959,138
Net income per share
Basic (in usd per share)	[1]	$ 2.79	$ 0.23	$ 9.46	$ 0.75
Diluted (in usd per share)	[1]	$ 2.62	$ 0.23	$ 8.94	$ 0.74
Weighted-average shares outstanding
Basic (shares)	[1]	5,545,353	5,667,430	5,620,754	5,576,233
Diluted (shares)	[1]	5,905,833	5,729,665	5,948,131	5,651,221

[1] Effective May 11, 2023, we performed a 1-for-38 reverse stock split. Share and per-share amounts have been retroactively restated.