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CONDENSED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Operating activities:    
Net income $ 27,507 $ 21,984
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation expense 874 765
Amortization of debt discount and issuance costs 35  
Provision for loan loss—consumer loans 586 650
Share based payment expense 177 522
Changes in operating assets and liabilities:    
Accounts receivable (741) 768
Consumer loans originations (12,647) (14,356)
Consumer loans principal collections 7,945 7,280
Notes receivable MHP originations (54,630) (47,261)
Notes receivable MHP principal collections 17,364 23,190
Inventories 1,166 9,150
Prepaid expenses and other current assets 1,959 133
Other assets (2,704) (1,473)
Accounts payable (405) 801
Accrued liabilities 3,797 1,573
Customer deposits 902 (477)
Dealer incentive liability 467 (173)
Net cash provided by (used in) operating activities (8,348) 3,076
Investing activities:    
Purchases of property, plant and equipment (2,156) (4,478)
Issuance of notes receivable (5,430) (3,391)
Notes receivable collections 3,247 572
Purchases of consumer loans (317) (101)
Collections from purchased consumer loans 902 512
Net cash used in investing activities (3,754) (6,886)
Financing activities:    
Proceeds from sale of over-allotment common stock in initial public offering   7,200
Offering cost for over-allotment of initial public offering   (505)
Treasury stock purchase (1,417) (3,060)
Proceeds from issuance of note payable 6,546  
Principal payments on note payable (6,546) (550)
Escrow liability, net 775 818
Proceeds from lines of credit, net 52,148 39,205
Payments on lines of credit (39,485) (40,033)
Net cash provided by financing activities 12,021 3,075
Net decrease in cash and cash equivalents (81) (735)
Cash and cash equivalents at beginning of period 1,724 2,599
Cash and cash equivalents at end of period 1,643 1,864
Supplemental disclosure of cash flow information:    
Cash paid for interest 770 552
Cash paid for taxes $ 6,728 $ 5,039