UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Revenues:
Gain on loans, net	$ 36,421	$ 21,503	$ 97,769	$ 61,384
Other revenue	2,777	3,070	10,107	8,768
Net interest income
Interest income	16,855	9,867	41,457	27,900
Interest expense	(12,186)	(5,446)	(28,769)	(14,545)
Net interest income	4,669	4,421	12,688	13,355
Total net revenues	43,867	28,994	120,564	83,507
Expenses:
Compensation and benefits	41,287	37,752	129,367	111,079
General and administrative	10,167	12,611	33,304	41,813
Technology	6,726	7,249	20,856	19,289
Marketing and advertising	10,490	12,101	30,317	25,186
Loan origination expense	3,728	3,774	10,154	7,142
Depreciation and amortization	3,398	8,259	10,908	25,323
Other expenses/(income)	7,051	1,332	11,226	270
Total expenses	82,847	83,078	246,132	230,102
Loss before income tax expense	(38,980)	(54,084)	(125,568)	(146,595)
Income tax expense	145	126	384	472
Net Loss	(39,125)	(54,210)	(125,952)	(147,067)
Other comprehensive income/(loss):
Foreign currency translation adjustment, net of tax	(1,738)	4,056	5,803	4,322
Comprehensive loss	$ (40,863)	$ (50,154)	$ (120,149)	$ (142,745)
Loss per share attributable to common stockholders:
Basic (in dollars per share)	$ (2.56)	$ (3.58)	$ (8.27)	$ (9.74)
Diluted (in dollars per share)	$ (2.56)	$ (3.58)	$ (8.27)	$ (9.74)
Weighted average common shares outstanding - basic (in shares)	15,263,321	15,121,994	15,223,492	15,102,741
Weighted average common shares outstanding - diluted (in shares)	15,263,321	15,121,994	15,223,492	15,102,741