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Consolidated Statements of Cash Flows (unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Operating Activities:    
Net income $ 63,768 $ 37,709
Adjustments to reconcile net income to net cash provided from operating activities:    
Depreciation and amortization 598 474
Provision for credit losses 33,447 15,234
Provision for other credit losses 8,523 2,599
Equity based compensation and restricted stock vested 2,771 2,367
Amortization of debt issuance costs 219 315
Fair value adjustment on warrants 0 1,261
Impairment losses on long-lived assets 66 48
Gain on sale of fixed assets (16) (12)
Loss on extinguishment of line of credit 0 260
Deferred income taxes 2,485 (16,845)
Changes in operating assets and liabilities:    
Notes receivable (53,796) (4,140)
Other receivables (8,917) (2,052)
Prepaid expenses and other assets (11,606) (1,177)
Merchant accounts payable (8,931) (2,554)
Other payables (4,645) 2,736
Accrued and other liabilities (1,496) (3,348)
Deferred revenue 22 1,299
Operating leases 30 44
Net Cash Provided from Operating Activities 22,522 34,218
Investing Activities:    
Purchase of property and equipment (431) (26)
Internally developed intangible asset additions (897) (748)
Net Cash Used for Investing Activities (1,328) (774)
Financing Activities:    
Proceeds from line of credit 95,000 46,727
Payments to line of credit (68,700) (71,727)
Payments of debt issuance costs (10) (1,005)
Proceeds from stock option exercises 3,564 238
Stock subscriptions collected related to stock option exercises 0 39
Proceeds from warrant exercises 0 33
Repurchase of common stock (30,663) (14,345)
Net Cash Used for Financing Activities (809) (40,040)
Effect of exchange rate changes on cash 1,274 (111)
Net increase (decrease) in cash, cash equivalents, and restricted cash 20,385 (6,596)
Cash, cash equivalents, and restricted cash, beginning of period 98,310 70,699
Cash, cash equivalents, and restricted cash, end of period 119,969 63,992
Noncash investing and financing activities:    
Conversion of accrued profit-sharing incentive plan liabilities to stockholders' equity 2,301 0
Conversion of warrant liabilities to stockholders' equity 0 2,229
Supplementary disclosures:    
Interest paid 7,036 7,149
Income taxes paid $ 25,169 $ 1,527