Consolidated Balance Sheets - USD ($) $ in Thousands		Mar. 31, 2025	Dec. 31, 2024
Current Assets
Cash and cash equivalents		$ 88,893	$ 73,185
Restricted cash, current, including amounts held by variable interest entity (“VIE”) of $7,088 and $4,096, respectively		14,942	4,850
Notes receivable		167,150	190,665
Allowance for credit losses		(20,522)	(26,103)
Notes receivable, net, including amounts held by VIE of $136,106 and $152,174, respectively		146,628	164,562
Other receivables, net		3,263	3,629
Prepaid expenses and other current assets		12,219	11,393
Total current assets		265,945	257,619
Non-Current Assets
Internally developed intangible assets, net		2,404	2,442
Operating right-of-use assets		768	800
Restricted cash, non-current		17,034	20,275
Deferred tax asset, net of $3,841 and $3,742 valuation allowance, respectively		11,616	16,905
Other assets		307	331
Total Assets		298,074	298,372
Current Liabilities
Merchant accounts payable		65,380	68,967
Other payables		10,239	7,455
Deferred revenue		4,126	4,234
Other current liabilities		21,854	25,021
Total current liabilities		101,599	105,677
Non-Current Liabilities
Operating lease liabilities		791	823
Line of credit, net of unamortized debt issuance costs of $910 and $1,008, respectively, held by VIE		69,890	103,992
Other non-current liabilities		32	45
Total Liabilities		172,312	210,537
Commitments and Contingencies (see Note 8)
Stockholders' Equity*
Common stock and additional paid-in capital, $0.00001 par value; 750,000 shares authorized; 35,072 and 34,786 shares issued, respectively; 33,965 and 33,735 shares outstanding, respectively	[1]	192,703	188,589
Treasury stock, at cost: 1,107 and 1,051 shares, respectively	[1]	(11,835)	(9,391)
Accumulated other comprehensive loss	[1]	(1,495)	(1,588)
Accumulated deficit	[1]	(53,611)	(89,775)
Total Stockholders' Equity	[1]	125,762	87,835
Total Liabilities and Stockholders' Equity		$ 298,074	$ 298,372

[1] Effective March 28, 2025, we performed a 6-for-1 stock split of the Company’s common stock, affected through a stock dividend. Share and per-share amounts have been retroactively adjusted.