Consolidated Statements of Operations and Comprehensive Income - USD ($)		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023
Revenues [Abstract]
Total revenue		$ 271,127,890	$ 159,356,772
Operating Expenses
Personnel		51,764,964	46,373,915
Transaction expense		51,364,347	39,207,768
Third-party technology and data		9,595,106	7,815,915
Marketing, advertising, and tradeshows		9,739,763	11,984,019
General and administrative		11,403,468	8,587,781
Provision for credit losses		55,014,676	23,186,973
Total operating expenses		188,882,324	137,156,371
Operating Income		82,245,566	22,200,401
Other Income (Expense)
Net interest expense		(13,761,645)	(15,968,380)
Other income, net		354,487	1,933,450
Fair value adjustment on warrants		(1,261,556)	(455,962)
Loss on extinguishment of line of credit		(259,706)	0
Income before taxes		67,317,146	7,709,509
Income tax (benefit) expense		(11,205,165)	611,487
Net Income		78,522,311	7,098,022
Other Comprehensive Loss
Foreign currency translation adjustment		(940,794)	(3,025)
Total Comprehensive Income		$ 77,581,517	$ 7,094,997
Net income per share:
Basic (in usd per share)	[1]	$ 13.98	$ 1.27
Diluted (in usd per share)	[1]	$ 13.13	$ 1.25
Weighted-average shares outstanding:
Basic (in shares)	[1]	5,618,497	5,606,087
Diluted (in shares)	[1]	5,981,795	5,678,527

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