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Customer Loans Receivable (Tables)

3 Months Ended

Mar. 31, 2024

Customer Loans Receivable (Tables)

Schedule of customer loans receivable by credit rating

		Year of Origination																								March 31, 2024
		2024				2023				2022				2021				2020				Prior				Total				%
Prime — FICO score 680 and greater		$	-			$	-			$	-			$	-			$	141,710			$	5,164,659			$	5,306,369				86	%
Near-prime — FICO score 620 to 679			-				-				18,191				-				11,057				606,219				635,467				10	%
Sub-prime — FICO score less than 620			-				-				-				-				-				155,722				155,722				3	%
Business entity — FICO not available							-				-				48,396				22,932				-				71,328				1	%
Total Customer Loan Receivables, gross		$	-			$	-			$	18,191			$	48,396			$	175,699			$	5,926,600			$	6,168,886				100	%

		Year of Origination																								December 31, 2023
		2023				2022				2021				2020				2019				Prior				Total				%
Prime — FICO score 680 and greater		$	-			$	-			$	-			$	181,315			$	438,676			$	5,234,583			$	5,854,574				87	%
Near-prime — FICO score 620 to 679			-				19,117				-				18,107				42,175				622,398				701,797				10	%
Sub-prime — FICO score less than 620			-				-				-				-				72,489				84,992				157,481				2	%
Business entity — FICO not available							-				52,753				28,051				-				-				80,804				1	%
Total Customer Loan Receivables, gross		$	-			$	19,117			$	52,753			$	227,473			$	553,340			$	5,941,973			$	6,794,656				100	%

Schedule of customer loans receivable

		March 31, 2024				December 31, 2023
		(Unaudited)
Customer loans receivable, gross		$	6,168,886			$	6,794,656
Less: unamortized loan discounts			(572	)			(2,332	)
Allowance for loan losses			(328,308	)			(256,808	)
Customer loans receivable, net			5,840,006				6,535,516
Less: Current portion			1,395,744				2,212,574
Non-current portion		$	4,444,262			$	4,322,942

Schedule of maturities of customer loans receivable

For the year ending December 31,		Amount
2024 (remainder of)		$	1,395,744
2025			1,367,415
2026			1,203,664
2027			990,290
2028			665,563
Thereafter			546,210
Total customer loans receivable		$	6,168,886

Schedule of allowance for loan losses

		Three Months Ended March 31,
		2024				2023
		(Unaudited)
Balance – beginning of period		$	256,808			$	288,457
Provision for loan losses			61,298				106,862
Chargeoffs and adjustments			10,202				23,308
Balance – end of period		$	328,308			$	418,627