Consolidated Balance Sheets (Unaudited) - USD ($)	Mar. 31, 2022	Dec. 31, 2021
CURRENT ASSETS
Cash	$ 106,886	$ 20,987
Premium finance contracts and related receivable, net	48,971,089	46,674,273
Prepaid expenses and other current assets	324,138	538,139
TOTAL CURRENT ASSETS	49,402,113	47,233,399
PROPERTY  AND EQUIPMENT, NET	97,386	83,794
OPERATING LEASE ASSETS	203,655	228,954
FINANCE LEASE ASSETS	61,862	65,176
OTHER ASSETS
Cash surrender value of life insurance	567,464	559,877
Deferred tax asset	352,000	347,000
TOTAL OTHER ASSETS	919,464	906,877
TOTAL ASSETS	50,684,480	48,518,200
CURRENT LIABILITIES
Cash overdraft	0	153,264
Line of credit, net	32,225,547	30,476,375
Drafts payable	2,903,180	1,935,278
Note payable - current portion	1,152,849	2,285,023
Note payable - stockholders and related parties - current portion	825,000	862,000
Payroll Protection Program loan - current portion	271,000	271,000
Operating lease obligation - current portion	102,547	104,880
Finance lease obligation - current portion	12,013	11,857
Accrued expenses and other current liabilities	1,125,987	1,512,528
TOTAL CURRENT LIABILITIES	38,618,123	37,612,205
LONG-TERM LIABILITIES
Note payable, net of current portion	6,081,961	4,964,787
Note payable - stockholders and related parties, net of current portion	1,065,000	1,229,302
Operating lease obligation, net of current portion	101,108	124,074
Finance lease obligation, net of current portion	49,991	53,053
TOTAL LONG-TERM LIABILITIES	7,298,060	6,371,216
TOTAL LIABILITIES	45,916,183	43,983,421
STOCKHOLDERS' EQUITY:
Preferred stock, par value $.001 per share; 20 million shares authorized, 600,000 shares designated as Series A - convertible, 101,000 and 99,000 issued and outstanding at March 31, 2022 and December 31, 2021, respectively	101	99
Common stock, par value $.001 per share; 100 million shares authorized, 2,905,016 and 2,905,016 shares issued and outstanding at March 31, 2022 and December 31, 2021, respectively	2,905	2,905
Additional paid in capital	2,708,771	2,682,995
Retained earnings	2,056,520	1,848,780
TOTAL STOCKHOLDERS' EQUITY	4,768,297	4,534,779
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 50,684,480	$ 48,518,200