CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents		$ 211,101	$ 503,591
Restricted cash		24,416	24,475
Short-term investments		53,774	25,597
Total LHFS at fair value		399,241	170,150
Loans held for investment (net of allowance for credit losses of $1,667 and none as of December 31, 2024 and December 31, 2023, respectively)		111,477	4,793
Other receivables, net		17,549	16,888
Assets held for sale		10,411	0
Property and equipment, net		2,717	16,454
Right-of-use assets		1,387	19,988
Internal use software and other intangible assets, net		20,936	38,126
Goodwill		23,615	32,390
Derivative assets, at fair value		2,539	1,716
Prepaid expenses and other assets		33,894	51,386
Total Assets		913,057	905,554
Liabilities
Warehouse lines of credit		244,070	126,218
Liabilities held for sale		6,116	0
Convertible Note		519,749	514,644
Customer Deposits		134,130	11,839
Accounts payable and accrued expenses (includes $74 and none payable to related parties as of December 31, 2024 and December 31, 2023, respectively)		48,134	66,558
Escrow payable and other customer accounts		74	3,376
Derivative liabilities, at fair value		0	949
Warrant and equity related liabilities, at fair value		1,407	2,331
Lease liabilities		4,081	31,202
Other liabilities (includes none and $390 payable to related parties as of December 31, 2024 and 2023, respectively)		13,466	25,837
Total Liabilities		971,227	782,954
Commitments and contingencies (see Note 17)
Stockholders’ (Deficit) /Equity
Common stock $0.0001 par value; 66,000,000 and 66,000,000 shares authorized as of December 31, 2024 and December 31, 2023, respectively, and 15,168,795 and 15,035,467 shares issued and outstanding as of December 31, 2024 and December 31, 2023, respectively		2	2
Notes receivable from stockholders		(9,158)	(10,111)
Additional paid-in capital	[1]	1,863,288	1,838,499
Accumulated deficit		(1,910,366)	(1,704,076)
Accumulated other comprehensive loss		(1,936)	(1,714)
Total Stockholders’ (Deficit)/Equity		(58,170)	122,600
Total Liabilities and Stockholders’ (Deficit)/Equity		$ 913,057	$ 905,554

[1] Periods have been adjusted to reflect the 1-for-50 reverse stock split on August 16, 2024. See Note 1 Organization and Nature of the Business - Reverse Stock Split, for additional information.