Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Current Assets
Cash and cash equivalents, including amounts held by variable interest entity (“VIE”) of $39,979 and $25,921, respectively	$ 120,448	$ 64,054
Restricted cash, current, including amounts held by VIE of $4,701 and $8,245, respectively	4,745	8,413
Notes receivable	282,761	283,400
Allowance for credit losses	(19,794)	(28,505)
Notes receivable, net, including amounts held by VIE of $247,006 and $237,062, respectively	262,967	254,895
Other current assets	23,030	24,502
Total current assets	411,190	351,864
Non-Current Assets
Internally developed intangible assets, net	3,743	3,331
Operating right-of-use assets	628	665
Restricted cash, non-current	22,193	30,134
Deferred tax asset	15,721	13,615
Other assets	830	620
Total Assets	454,305	400,229
Current Liabilities
Merchant accounts payable	57,568	56,374
Other payables, including amounts held by VIE of $7 and $1,476, respectively	21,969	6,908
Deferred revenue	5,669	5,431
Other current liabilities, including amounts held by VIE of $1,075 and $0, respectively	27,396	21,053
Total current liabilities	112,602	89,766
Non-Current Liabilities
Operating lease liabilities	609	661
Line of credit, net of unamortized debt issuance costs of $1,128 and $1,268, respectively, held by VIE	144,372	139,991
Total Liabilities	257,583	230,418
Commitments and Contingencies (see Note 8)
Stockholders' Equity
Common stock and additional paid-in capital, $0.00001 par value; 750,000 shares authorized; 34,940 and 35,130 shares issued, respectively; 33,594 and 33,798 shares outstanding, respectively	194,210	194,890
Treasury stock, at cost: 1,346 and 1,332 shares, respectively	(25,000)	(24,072)
Accumulated other comprehensive loss	(761)	(683)
Accumulated earnings (deficit)	28,273	(324)
Total Stockholders' Equity	196,722	169,811
Total Liabilities and Stockholders' Equity	$ 454,305	$ 400,229