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Pay vs Performance Disclosure - USD ($)
 9 Months Ended 12 Months Ended 18 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Oct. 06, 2022
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Mar. 22, 2024
Pay vs Performance Disclosure                  
Pay vs Performance Disclosure, Table      
Pay Versus Performance
The following table sets forth information regarding the Company’s performance and the “compensation actually paid” to our NEOs, as calculated in accordance with SEC disclosure rules:
 
FISCAL
YEAR
  
SUMMARY
COMPENSATION
TABLE TOTAL
FOR PEO
JOHN J.
FLYNN
(1)
    
COMPENSATION
ACTUALLY PAID
TO PEO
JOHN J.
FLYNN
(1)
    
SUMMARY
COMPENSATION
TABLE TOTAL
FOR PEO
KEITH A.
JEZEK
(1)
    
COMPENSATION
ACTUALLY PAID
TO PEO
KEITH A.
JEZEK
(1)
    
SUMMARY
COMPENSATION
TABLE TOTAL
FOR PEO
CHARLES D.
JEHL
(1)
    
COMPENSATION
ACTUALLY PAID
TO PEO
CHARLES D.
JEHL
(1)(2)
    
SUMMARY
COMPENSATION
TABLE TOTAL
FOR PEO
JESSICA E.
BUSS
(1)
    
COMPENSATION
ACTUALLY PAID
TO PEO
JESSICA E.
BUSS
(1)(2)
    
AVERAGE
SUMMARY
COMPENSATION
TABLE TOTAL
FOR
NON-PEO

NEOs
(3)
    
AVERAGE
COMPENSATION
ACTUALLY PAID
TO
NON-PEO

NEOs
(2)(3)
    
LPRO TOTAL
SHAREHOLDER
RETURN
    
PEER
GROUP TOTAL
SHAREHOLDER
RETURN
(4)
    
NET
INCOME
($ IN
THOUSANDS)
    
ADJUSTED
EBITDA
(THOUSANDS)
(5)
  
2025
  
$
0
 
  
$
0
 
  
$
0
 
  
$
0
 
  
$
1,374,620
 
  
($
2,984,058
) 
  
$
11,170,573
 
  
$
6,100,309
 
  
$
974,103
 
  
$
789,014
 
  
$
4.43
 
  
$
120.66
 
  
($
4,236
) 
  
$
15,632
 
2024
  
$
0
 
  
$
0
 
  
$
1,078,569
 
  
($
7,126,751
) 
  
$
5,071,681
 
  
$
2,782,181
 
  
$
0
 
  
$
0
 
  
$
737,515
 
  
$
531,125
 
  
$
17.08
 
  
$
100.48
 
  
($
135,010
) 
  
($
55,027
) 
2023
  
$
0
 
  
$
0
 
  
$
5,957,265
 
  
$
6,215,126
 
  
$
0
 
  
$
0
 
  
$
0
 
  
$
0
 
  
$
1,138,720
 
  
$
1,368,452
 
  
$
24.34
 
  
$
71.18
 
  
$
22,070
 
  
$
39,834
 
2022
  
$
2,390,833
 
  
$
398,800
 
  
$
6,651,233
 
  
$
6,106,733
 
  
$
0
 
  
$
0
 
  
$
0
 
  
$
0
 
  
$
1,923,448
 
  
$
614,385
 
  
$
19.31
 
  
$
52.60
 
  
$
66,620
 
  
$
103,741
 
2021
  
$
2,299,501
 
  
$
1,505,717
 
  
$
0
 
  
$
0
 
  
$
0
 
  
$
0
 
  
$
0
 
  
$
0
 
  
$
4,525,451
 
  
$
2,835,971
 
  
$
64.30
 
  
$
120.11
 
  
$
146,082
 
  
$
154,777
 
 
(1)
Jessica Buss has served as the Company’s CEO beginning on March 31, 2025. The PEO prior to Ms. Buss was Charles D. Jehl, who served as the Company’s interim CEO beginning March 22, 2024 and as the Company’s CEO on a permanent,
non-interim
basis from September 11, 2024 until March 31, 2025. The PEO prior to Mr. Jehl was Keith A. Jezek, who served as the Company’s CEO from October 7, 2022 until March 22, 2024. The PEO prior to Mr. Jezek was John J. Flynn, who served as the Company’s CEO until October 6, 2022.
(2)
Compensation actually paid to the current PEO and the prior PEO and average compensation actually paid to the
non-PEO
NEOs represent the Summary Compensation Table totals adjusted for the following items:
 
    
2025
  
ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE
COMPENSATION ACTUALLY PAID
   
CHARLES D.
JEHL
(PRIOR PEO)
    
JESSICA
BUSS
(CURRENT PEO)
    
AVERAGE FOR NON-
PEO NEOS
  
Summary Compensation Table Amount
   
$
1,374,620
 
  
$
11,170,573
 
  
$
974,103
 
Adjustments:
       
Increase/(Decrease) for amounts reported under the Stock Awards and Option Awards Columns in the Summary Compensation Table
   
$
0
 
  
$
(9,122,160
) 
  
$
(332,266
) 
Increase/(Decrease) for fair value at
year-end
of stock awards and option awards granted during year that remain unvested as of
year-end
   
$
0
 
  
$
4,208,659
 
  
$
227,360
 
Increase/(Decrease) for change in fair value from prior
year-end
to current
year-end
of awards granted prior to year that were outstanding and unvested as of
year-end
   
$
0
 
  
$
0
 
  
$
(72,961
) 
Increase/(Decrease) for fair value at vesting of stock awards and option awards granted during year
   
$
0
 
  
$
0
 
  
$
0
 
Increase/(Decrease) for change in fair value from prior
year-end
to vesting date of awards granted prior to year that vested during year
   
$
(1,775,553
) 
  
$
(156,763
) 
  
$
(7,222
) 
Increase/(Decrease) for fair value at prior
year-end
of awards granted in prior years that failed to meet applicable vesting conditions during year
   
$
(2,583,125
) 
  
$
0
 
  
$
0
 
  
 
 
    
 
 
    
 
 
  
Compensation Actually Paid Amount
   
$
(2,984,058
) 
  
$
6,100,309
 
  
$
789,014
 
 
(3)
The
non-PEO
NEOs were (a) in 2021, Charles D. Jehl and Ross M. Jessup (b) in 2022, Charles D. Jehl, Cecilia Camarillo, Matthew R. Roe, Matthew S. Stark, and Ross M. Jessup, (c) in 2023, Charles D. Jehl, Thinh Nguyen, Matthew R. Roe, and Matthew S. Stark; (d) in 2024, Sarah Lackey, Matthew R. Roe, and Matthew Stark; and (e) in 2025, Massimo Monaco, Michelle Glasl, Ben Massey, and Matthew Sather.
(4)
For purposes of this disclosure, our peer group in 2025 consisted of nine companies, including Green Dot Corporation, Jack Henry & Associates, Inc., LendingClub Corporation, Pagaya Technologies Ltd., Paymentus Holdings, Inc., Q2 Holdings, Inc., Repay Holdings Corporation, SoFi Technologies, Inc. and Upstart Holdings, Inc. (the “2025 Peer Group”). The 2025 Peer Group is consistent with the peer group used in Item 5 of our Annual Report on Form
10-K
for the year ended December 31, 2022, our Annual Report on Form
10-K
for the year ended December 31, 2023, our Annual Report on Form
10-K
for the year ended December 31, 2024, and our Annual Report on Form
10-K
for the year ended December 31, 2025.
(5)
Adjusted EBITDA is the measure we believe represents the most important financial performance metric not otherwise presented in the table above that we use to link Compensation Actually Paid to our NEOs to our Company’s performance. Beginning in the quarter ended June 30, 2025, the Company updated the presentation of Adjusted EBITDA to exclude interest income as the Company believes the exclusion of interest income better aligns its presentation with comparable companies. In addition, beginning in the quarter ended September 30, 2025, the Company updated the presentation of Adjusted EBITDA to exclude certain other
non-recurring
expenses that do not contribute directly to management’s evaluation of its operating results. Prior periods presented have been conformed to the current period presentation.
         
Company Selected Measure Name       Adjusted EBITDA          
Named Executive Officers, Footnote       The
non-PEO
NEOs were (a) in 2021, Charles D. Jehl and Ross M. Jessup (b) in 2022, Charles D. Jehl, Cecilia Camarillo, Matthew R. Roe, Matthew S. Stark, and Ross M. Jessup, (c) in 2023, Charles D. Jehl, Thinh Nguyen, Matthew R. Roe, and Matthew S. Stark; (d) in 2024, Sarah Lackey, Matthew R. Roe, and Matthew Stark; and (e) in 2025, Massimo Monaco, Michelle Glasl, Ben Massey, and Matthew Sather. 		         
Peer Group Issuers, Footnote      
(4)
For purposes of this disclosure, our peer group in 2025 consisted of nine companies, including Green Dot Corporation, Jack Henry & Associates, Inc., LendingClub Corporation, Pagaya Technologies Ltd., Paymentus Holdings, Inc., Q2 Holdings, Inc., Repay Holdings Corporation, SoFi Technologies, Inc. and Upstart Holdings, Inc. (the “2025 Peer Group”). The 2025 Peer Group is consistent with the peer group used in Item 5 of our Annual Report on Form
10-K
for the year ended December 31, 2022, our Annual Report on Form
10-K
for the year ended December 31, 2023, our Annual Report on Form
10-K
for the year ended December 31, 2024, and our Annual Report on Form
10-K
for the year ended December 31, 2025.
         
Adjustment To PEO Compensation, Footnote      
(2)
Compensation actually paid to the current PEO and the prior PEO and average compensation actually paid to the
non-PEO
NEOs represent the Summary Compensation Table totals adjusted for the following items:
 
    
2025
  
ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE
COMPENSATION ACTUALLY PAID
   
CHARLES D.
JEHL
(PRIOR PEO)
    
JESSICA
BUSS
(CURRENT PEO)
    
AVERAGE FOR NON-
PEO NEOS
  
Summary Compensation Table Amount
   
$
1,374,620
 
  
$
11,170,573
 
  
$
974,103
 
Adjustments:
       
Increase/(Decrease) for amounts reported under the Stock Awards and Option Awards Columns in the Summary Compensation Table
   
$
0
 
  
$
(9,122,160
) 
  
$
(332,266
) 
Increase/(Decrease) for fair value at
year-end
of stock awards and option awards granted during year that remain unvested as of
year-end
   
$
0
 
  
$
4,208,659
 
  
$
227,360
 
Increase/(Decrease) for change in fair value from prior
year-end
to current
year-end
of awards granted prior to year that were outstanding and unvested as of
year-end
   
$
0
 
  
$
0
 
  
$
(72,961
) 
Increase/(Decrease) for fair value at vesting of stock awards and option awards granted during year
   
$
0
 
  
$
0
 
  
$
0
 
Increase/(Decrease) for change in fair value from prior
year-end
to vesting date of awards granted prior to year that vested during year
   
$
(1,775,553
) 
  
$
(156,763
) 
  
$
(7,222
) 
Increase/(Decrease) for fair value at prior
year-end
of awards granted in prior years that failed to meet applicable vesting conditions during year
   
$
(2,583,125
) 
  
$
0
 
  
$
0
 
  
 
 
    
 
 
    
 
 
  
Compensation Actually Paid Amount
   
$
(2,984,058
) 
  
$
6,100,309
 
  
$
789,014
 
          
Non-PEO NEO Average Total Compensation Amount       $ 974,103 $ 737,515 $ 1,138,720 $ 1,923,448 $ 4,525,451  
Non-PEO NEO Average Compensation Actually Paid Amount       $ 789,014 531,125 1,368,452 614,385 2,835,971  
Adjustment to Non-PEO NEO Compensation Footnote      
(2)
Compensation actually paid to the current PEO and the prior PEO and average compensation actually paid to the
non-PEO
NEOs represent the Summary Compensation Table totals adjusted for the following items:
 
    
2025
  
ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE
COMPENSATION ACTUALLY PAID
   
CHARLES D.
JEHL
(PRIOR PEO)
    
JESSICA
BUSS
(CURRENT PEO)
    
AVERAGE FOR NON-
PEO NEOS
  
Summary Compensation Table Amount
   
$
1,374,620
 
  
$
11,170,573
 
  
$
974,103
 
Adjustments:
       
Increase/(Decrease) for amounts reported under the Stock Awards and Option Awards Columns in the Summary Compensation Table
   
$
0
 
  
$
(9,122,160
) 
  
$
(332,266
) 
Increase/(Decrease) for fair value at
year-end
of stock awards and option awards granted during year that remain unvested as of
year-end
   
$
0
 
  
$
4,208,659
 
  
$
227,360
 
Increase/(Decrease) for change in fair value from prior
year-end
to current
year-end
of awards granted prior to year that were outstanding and unvested as of
year-end
   
$
0
 
  
$
0
 
  
$
(72,961
) 
Increase/(Decrease) for fair value at vesting of stock awards and option awards granted during year
   
$
0
 
  
$
0
 
  
$
0
 
Increase/(Decrease) for change in fair value from prior
year-end
to vesting date of awards granted prior to year that vested during year
   
$
(1,775,553
) 
  
$
(156,763
) 
  
$
(7,222
) 
Increase/(Decrease) for fair value at prior
year-end
of awards granted in prior years that failed to meet applicable vesting conditions during year
   
$
(2,583,125
) 
  
$
0
 
  
$
0
 
  
 
 
    
 
 
    
 
 
  
Compensation Actually Paid Amount
   
$
(2,984,058
) 
  
$
6,100,309
 
  
$
789,014
 
          
Compensation Actually Paid vs. Total Shareholder Return      
         
Compensation Actually Paid vs. Net Income      
         
Compensation Actually Paid vs. Company Selected Measure      
         
Total Shareholder Return Vs Peer Group      
         
Tabular List, Table      
Listed below are the financial and
non-financial
performance meas
ure
s which in our assessment represent the most important financial performance measures we use to link Compensation Actually Paid to our NEOs, for 2025, to Company performance:
 
MEASURE
   
NATURE
   
EXPLANATION
Adjusted EBITDA
   
Financial measure
   
Non-GAAP
financial measured defined as GAAP net income (loss) excluding interest expense (income), income tax expense (benefit), depreciation expense of property and equipment, amortization expense of capitalized software development costs, share-based compensation expense, loss on extinguishment of debt and certain other
non-recurring
expenses that do not contribute directly to management’s evaluation of its operating results.
Certified Loans
   
Non-financial
measure
   
The number of certified loans generated by the Company in 2025.
Total Revenue
   
Financial measure
   
Total revenue in 2025.
Cash EBITDA
   
Financial measure
   
Non-GAAP
financial measured defined as net income, plus (i) interest expense, (ii) taxes and tax receivable agreement payments, (iii) depreciation and amortization expense, (iv) cash collections related to revenue, (v) any net asset writedowns related to revenue, and
(vi) non-operational
exceptional expenses; minus (1) interest income, (2) revenue, (3) any net asset markups related to revenue, and
(4) non-operational
exceptional income.
          
Total Shareholder Return Amount       $ 4.43 17.08 24.34 19.31 64.3  
Peer Group Total Shareholder Return Amount       120.66 100.48 71.18 52.6 120.11  
Net Income (Loss)       $ (4,236,000) $ (135,010,000) $ 22,070,000 $ 66,620,000 $ 146,082,000  
Company Selected Measure Amount       15,632,000 (55,027,000) 39,834,000 103,741,000 154,777,000  
Measure:: 1                  
Pay vs Performance Disclosure                  
Name       Adjusted EBITDA          
Non-GAAP Measure Description       Adjusted EBITDA is the measure we believe represents the most important financial performance metric not otherwise presented in the table above that we use to link Compensation Actually Paid to our NEOs to our Company’s performance. Beginning in the quarter ended June 30, 2025, the Company updated the presentation of Adjusted EBITDA to exclude interest income as the Company believes the exclusion of interest income better aligns its presentation with comparable companies. In addition, beginning in the quarter ended September 30, 2025, the Company updated the presentation of Adjusted EBITDA to exclude certain other
non-recurring
expenses that do not contribute directly to management’s evaluation of its operating results. Prior periods presented have been conformed to the current period presentation. 		         
Measure:: 2                  
Pay vs Performance Disclosure                  
Name       Certified Loans          
Measure:: 3                  
Pay vs Performance Disclosure                  
Name       Total Revenue          
Measure:: 4                  
Pay vs Performance Disclosure                  
Name       Cash EBITDA          
Charles D. Jehl [Member]                  
Pay vs Performance Disclosure                  
PEO Total Compensation Amount       $ 1,374,620 $ 5,071,681 $ 0 $ 0 $ 0  
PEO Actually Paid Compensation Amount       (2,984,058) 2,782,181 0 0 0  
PEO Name   Charles D. Jehl              
John J. Flynn [Member]                  
Pay vs Performance Disclosure                  
PEO Total Compensation Amount       0 0 0 2,390,833 2,299,501  
PEO Actually Paid Compensation Amount       0 0 0 398,800 $ 1,505,717  
PEO Name     John J. Flynn         John J. Flynn  
Keith A. Jezek [Member]                  
Pay vs Performance Disclosure                  
PEO Total Compensation Amount       0 1,078,569 5,957,265 6,651,233 $ 0  
PEO Actually Paid Compensation Amount       0 (7,126,751) $ 6,215,126 6,106,733 0  
PEO Name           Keith A. Jezek     Keith A. Jezek
Jessica Buss [Member]                  
Pay vs Performance Disclosure                  
PEO Total Compensation Amount       11,170,573 0 $ 0 0 0  
PEO Actually Paid Compensation Amount       6,100,309 $ 0 $ 0 $ 0 $ 0  
PEO Name Jessica Buss                
PEO | Charles D. Jehl [Member] | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       0          
PEO | Charles D. Jehl [Member] | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       0          
PEO | Charles D. Jehl [Member] | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       0          
PEO | Charles D. Jehl [Member] | Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       0          
PEO | Charles D. Jehl [Member] | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       (1,775,553)          
PEO | Charles D. Jehl [Member] | Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       (2,583,125)          
PEO | Jessica Buss [Member] | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       (9,122,160)          
PEO | Jessica Buss [Member] | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       4,208,659          
PEO | Jessica Buss [Member] | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       0          
PEO | Jessica Buss [Member] | Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       0          
PEO | Jessica Buss [Member] | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       (156,763)          
PEO | Jessica Buss [Member] | Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       0          
Non-PEO NEO | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       (332,266)          
Non-PEO NEO | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       227,360          
Non-PEO NEO | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       (72,961)          
Non-PEO NEO | Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       0          
Non-PEO NEO | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       (7,222)          
Non-PEO NEO | Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year                  
Pay vs Performance Disclosure                  
Adjustment to Compensation, Amount       $ 0