UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Cash flows from operating activities:
Net income	$ 5,539	$ 4,694
Adjustments to reconcile net income to net cash provided by operating activities:
Net interest income accretion on fair value receivables	69,947	64,907
Depreciation and amortization	225	249
Amortization of deferred financing costs	3,436	2,865
Mark to finance receivables measured at fair value	0	(3,500)
Provision for credit losses	0	(979)
Stock-based compensation expense	512	717
Changes in assets and liabilities:
Deferred tax assets, net	0	184
Other assets	(895)	(407)
Accounts payable and accrued expenses	5,017	5,138
Net cash provided by operating activities	83,781	73,868
Cash flows from investing activities:
Payments received on finance receivables held for investment	0	3,106
Purchases of finance receivables measured at fair value	(524,900)	(449,602)
Payments received on finance receivables at fair value	275,019	252,856
Purchase of furniture and equipment	(796)	(471)
Net cash used in investing activities	(250,677)	(194,111)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	345,610	442,420
Proceeds from issuance of subordinated renewable notes	270	1,603
Payments on subordinated renewable notes	(1,748)	(545)
Net proceeds from (repayments of) warehouse lines of credit	141,499	(45,811)
Proceeds from issuance of residual interest financing debt	50,000	65,000
Repayment of residual interest financing debt	(11,015)	0
Repayment of securitization trust debt	(340,193)	(292,997)
Payment of financing costs	(3,086)	(3,592)
Purchase of common stock	(1,235)	0
Exercise of options and warrants	0	246
Net cash provided by financing activities	180,102	166,324
Increase in cash and cash equivalents	13,206	46,081
Cash and restricted cash at beginning of period	172,207	137,397
Cash and restricted cash at end of period	185,413	183,478
Cash paid during the period for:
Interest	56,777	51,507
Income taxes	$ 80	$ (75)