Summary of Significant Accounting Policies (Tables)

3 Months Ended

Mar. 31, 2025

Accounting Policies [Abstract]

Schedule of other income

	Three Months Ended
	March 31,
	2025		2024
	(In thousands)
Origination and servicing fees from third party receivables	$	1,431	$	2,144
Sales tax refunds		–		289
Other		10		23
Other income for the period	$	1,441	$	2,456

Schedule of supplemental balance sheet information related to leases

	March 31,			December 31,
	2025			2024
	(In thousands)
Operating Leases
Operating lease right-of-use assets	$	51,093		$	51,093
Less: Accumulated amortization right-of-use assets		(32,850	)		(31,644	)
Operating lease right-of-use assets, net	$	18,243		$	19,449
Operating lease liabilities	$	(20,250	)	$	(21,471	)
Finance Leases		$
Property and equipment, at cost	$	4,039		$	3,794
Less: Accumulated depreciation		(3,538	)		(3,488	)
Property and equipment, net	$	501		$	306
		$
Finance lease liabilities	$	(514	)	$	(315	)
		$
Weighted Average Discount Rate
Operating lease		5.0%			5.0%
Finance lease		6.5%			6.5%

Schedule of maturities of lease liabilities

(In thousands)	Operating			Finance
	Lease			Lease
Year Ending December 31,
2025 (excluding the three months ended March 31, 2025)	$	3,907		$	161
2026		5,084			207
2027		5,242			149
2028		5,408			30
2029		3,761			10
Thereafter		985			–
Total undiscounted lease payments		24,387			557
Less amounts representing interest		(4,137	)		(43	)
Lease Liability	$	20,250		$	514

Schedule of lease cost

	Three Months Ended
	March 31,
	2025		2024
	(In thousands)
Operating lease cost	$	1,311	$	1,374
Finance lease cost		55		14
Total lease cost	$	1,366	$	1,388

Schedule of supplemental cash flow information related to leases

	Three Months Ended
	March 31,
	2025		2024
Cash paid for amounts included in the measurement of lease liabilities:	(In thousands)
Operating cash flows from operating leases	$	1,311	$	1,374
Operating cash flows from finance leases		47		13
Financing cash flows from finance leases		8		1

Schedule of stock option activity

						Weighted
	Number of			Weighted		Average
	Shares			Average		Remaining
	(in thousands)			Exercise Price		Contractual Term
Options outstanding at the beginning of period		6,097		$	5.39	N/A
Granted		–			–	N/A
Exercised		(70	)		3.49	N/A
Forfeited		–			–	N/A
Options outstanding at the end of period		6,027		$	5.41	2.46 years
Options exercisable at the end of period		5,204		$	4.94	2.24 years

Schedule of price distribution of stock options outstanding and exercisable

	Number of shares as of				Number of shares as of
	March 31, 2025				December 31, 2024
	Outstanding		Exercisable		Outstanding		Exercisable
Range of exercise prices:	(In thousands)				(In thousands)
$2.00 - $2.99		1,197		1,197		1,197		1,197
$3.00 - $3.99		1,955		1,955		2,026		2,026
$4.00 - $4.99		1,262		972		1,262		972
$10.00 - $10.99		1,613		1,080		1,612		892
Total shares		6,027		5,204		6,097		5,087

Schedule of purchase of our common stock

	Three Months Ended
	March 31, 2025				March 31, 2024
	Shares		Avg. Price		Shares		Avg. Price
Open market purchases		–	$	–		101,355	$	8.51
Shares redeemed upon net exercise of stock options		–		–		105,758		7.89
Total stock purchases		–	$	–		207,113	$	8.19