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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 6 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flow from operating activities:    
Net income (loss) $ (602,130) $ 32,075,585
Adjustments to reconcile net income to net cash provided by operating activities:    
Amortization of intangible assets 1,639,639 1,964,822
Accrued unearned interest (4,703,776) (1,984,689)
Amortization of deferred loan cost 7,133,145 6,859,119
Loss (gain) on extinguishment of senior unsecured notes payable 3,703,866 (1,207,175)
Amortization of debt issuance costs 507,424 681,032
Amortization of discount on loans acquired in an asset purchase (292,429) 0
Provision for credit losses 100,356,871 92,087,528
Depreciation 2,970,759 3,247,246
Loss (gain) on sale of property and equipment (363,769) 11,036
Deferred income tax expense (benefit) 795,640 (1,288,376)
Stock-based compensation (reversal) related to equity classified awards 9,162,775 (19,012,696)
Change in accounts:    
Other assets, net 4,713,333 699,345
Income taxes receivable (11,797,150) (1,677,288)
Accounts payable and accrued expenses (6,441,510) (10,280,012)
Net cash provided by operating activities 106,782,688 102,175,477
Cash flows from investing activities:    
Originations of loans receivable (680,227,572) (626,290,977)
Repayments of loans receivable 532,126,468 534,117,424
Cash paid for acquisitions, primarily loans 0 (56,294)
Purchases of property and equipment (1,956,863) (2,128,809)
Proceeds from the sale of property and equipment 650,207 322,611
Net cash used in investing activities (149,407,760) (94,036,045)
Cash flow from financing activities:    
Borrowings from revolving credit facility 426,317,546 173,900,755
Payments on revolving credit facility (104,182,897) (131,689,994)
Payments for extinguished senior unsecured notes payable (188,290,771) (32,507,500)
Payments for debt extinguishment costs (26,450) (12,500)
Debt issuance costs associated with revolving credit facility (1,887,355) (31,728)
Debt issuance costs associated with Warehouse Facility (2,467,124) (69,282)
Proceeds from exercise of stock options 2,542,035 1,457,016
Payments for taxes related to net share settlement of equity awards (4,627,907) (131,242)
Repurchase of common stock (79,600,225) (21,148,654)
Net cash provided by (used in) financing activities 47,776,852 (10,233,129)
Net change in cash and cash equivalents 5,151,780 (2,093,697)
Cash and cash equivalents at beginning of period 9,730,296 11,839,460
Cash and cash equivalents at end of period 14,882,076 9,745,763
Supplemental Disclosures:    
Interest paid during the period 23,212,950 21,468,005
Income taxes paid during the period 5,355,483 2,579,509
Excise tax on stock repurchases not paid during the period $ 708,871 $ 203,471