Consolidated Statements of Cash Flows (unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Operating Activities:
Net income	$ 53,155,127	$ 4,158,724
Adjustments to reconcile net income to net cash provided from operating activities:
Depreciation and amortization	707,450	624,608
Provision for credit losses	30,636,149	12,667,346
Provision for other credit losses	4,939,580	2,067,268
Equity based compensation and restricted stock vested	3,823,512	5,912,015
Amortization of debt issuance costs	417,207	534,638
Fair value adjustment on warrants	1,261,556	79,268
Impairment losses on long-lived assets	47,962	42,248
(Gain) loss on sale of fixed assets	(37,735)	17,644
Loss on extinguishment of line of credit	(259,706)	0
Deferred income taxes	(14,941,204)	0
Changes in operating assets and liabilities:
Notes receivable	(32,993,867)	(20,945,172)
Other receivables	(7,191,657)	(1,590,055)
Prepaid expenses and other assets	(3,122,311)	(23,191)
Merchant accounts payable	(3,473,648)	(14,869,007)
Other payables	4,985,620	1,166,248
Accrued liabilities	(333,592)	(1,101,420)
Deferred revenue	1,729,684	554,005
Operating leases	59,086	29,667
Net Cash Provided from (Used for) Operating Activities	39,928,625	(10,675,166)
Investing Activities:
Purchase of property and equipment	(36,063)	(53,533)
Internally developed intangible asset additions	(1,022,087)	(984,176)
Net Cash Used for Investing Activities	(1,058,150)	(1,037,709)
Financing Activities:
Proceeds from line of credit	74,726,901	28,900,000
Payments to line of credit	(74,726,901)	(18,000,000)
Payments of debt issuance costs	(1,051,707)	(75,475)
Proceeds from stock option exercises	1,566,243	26,996
Stock subscriptions collected related to stock option exercises	38,848	0
Proceeds from warrant exercises	400,741	0
Repurchase of common stock	(22,167,241)	(1,645,917)
Net Cash (Used for) Provided from Financing Activities	(21,213,116)	9,205,604
Effect of exchange rate changes on cash	(13,453)	(202,689)
Net increase (decrease) in cash, cash equivalents, and restricted cash	17,657,359	(2,507,271)
Cash, cash equivalents, and restricted cash, beginning of period	70,699,223	69,522,658
Cash, cash equivalents, and restricted cash, end of period	88,343,129	66,812,698
Noncash investing and financing activities:
Lease liabilities arising from obtaining right-of-use assets	0	1,059,263
Conversion of warrant liabilities to stockholders' equity	2,228,813	0
Supplementary disclosures:
Interest paid	10,476,571	11,859,913
Income taxes paid	$ 3,544,746	$ 72,600