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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 6 Months Ended
Jun. 30, 2024
Jun. 30, 2023
Cash Flows from Operating Activities    
Net loss $ (23,812,077) $ (27,408,947)
Adjustment to reconcile net loss to cash used in operating activities:    
Change in fair value of convertible promissory notes 14,571,109
Change in fair value of warrant liabilities (5,322,500)
Change in fair value of earn-out liabilities (340,000)
Share-based compensation 11,058,185
Amortization of step-up in loans held for investment 269,829
Provision for credit losses on loans held for investment 154,202
Origination of loans and leases for resale (10,124,894)
Proceeds from sale of loans and leases for resale 11,247,135
Gain on sale of loans and leases (1,122,241)
Depreciation and amortization 1,227,471 1,244,574
Non-cash operating lease expense 208,564 82,673
Changes in operating assets and liabilities:    
Accounts receivable (493,985)
Prepaid expenses and other current assets 1,571,121 (745,075)
Inventory 161,473
Deposits 13,929 (30,202)
Accounts payable (1,335,335) 149,173
Accrued expenses (110,806) 2,135,248
Deferred revenue 16,636 63,867
Operating lease payments (206,258) (80,071)
Net cash used in operating activities (16,939,551) (10,017,651)
Cash flows from Investing Activities    
Software development costs (1,777,479) (992,467)
Principal paydowns on loans held for investment 5,265,396
Disbursements for loans held for investment (3,576,860)
Acquisition of businesses, net of cash acquired 141,215
Purchase of short-term investments (10,049,870)
Purchase of intangible assets and trademarks (86,601)
Purchases of property and equipment (113,064)
Net cash provided by (used in) investing activities 52,272 (11,242,002)
Cash flows from Financing Activities    
Proceeds from convertible note payable, related party (Note 12) 10,000,000
Proceeds from convertible note payable 22,500,000
Proceeds from the issuance of common stock 2,600,125
Repayments on revolving line of credit (1,808,833)
Repayment of subscription payable (400)
Net cash provided by financing activities 8,191,167 25,099,725
Net (decrease) increase in cash and cash equivalents (8,696,112) 3,840,072
Cash, cash equivalents and restricted cash beginning of period 16,446,030 2,330,405
Cash, cash equivalents and restricted cash end of the period 7,749,918 6,170,477
Cash and cash equivalents 7,613,430 6,170,477
Restricted cash 136,488
Total cash, cash equivalents and restricted cash, end of the period 7,749,918 6,170,477
Supplemental Non-Cash Investing and Financing Activity    
Accrued variable compensation settled with RSU grants 411,880
Shares issued in connection with Credova Merger 14,137,606
Note Exchange in connection with Credova Merger 8,449,500
Brand intangible purchase for stock $ 1,334,850