CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Revenues:
Gain on loans, net	$ 136,148	$ 78,098
Other revenue	11,299	12,888
Net interest income
Interest income	60,269	38,990
Interest expense	(42,844)	(21,488)
Net interest income	17,425	17,502
Total net revenues	164,872	108,488
Expenses:
Compensation and benefits	174,226	141,089
General and administrative	45,323	52,230
Technology	27,874	26,110
Marketing and advertising	38,356	33,984
Loan origination expense	14,499	9,864
Depreciation and amortization	14,069	33,227
Other expenses/(income)	16,344	17,424
Total Expenses	330,691	313,928
Loss before income tax expense	(165,819)	(205,440)
Income tax expense	53	850
Net loss	(165,872)	(206,290)
Other comprehensive income/(loss):
Foreign currency translation adjustment, net of tax	5,593	(222)
Comprehensive loss	$ (160,279)	$ (206,512)
Per share data:
Loss per share attributable to common stockholders: Basic (in dollars per share)	$ (10.80)	$ (13.65)
Loss per share attributable to common stockholders: Diluted (in dollars per share)	$ (10.80)	$ (13.65)
Weighted average common shares outstanding — basic (in shares)	15,358,433	15,111,701
Weighted average common shares outstanding — diluted (in shares)	15,358,433	15,111,701