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Consolidated Statements of Cash Flows - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 13,631,719 $ 3,272,774
Adjustments to reconcile net income to net cash used in operating activities:    
Depreciation and impairment of lease merchandise 72,556,431 78,669,393
Other depreciation and amortization 4,769,614 2,875,902
Amortization of debt issuance costs 228,843 220,816
Amortization of discount on the promissory note related to acquisition 19,747
Compensation expense related to stock-based compensation and warrants 997,830 1,648,627
Provision for doubtful accounts 57,420,480 40,342,618
Gain on sale of lease receivables 8,821,106
Interest in kind added to promissory notes balance 155,093 9,460
Deferred income tax (17,282,364) 495,166
Gain on debt extinguishment (1,931,825)
Gain on bargain purchase (14,461,274)
Net changes in the fair value of loan receivables at fair value 9,559,979 (248,984)
Changes in operating assets and liabilities, net of effects of acquisition:    
Lease receivables (76,308,475) (56,738,233)
Loan receivables at fair value (25,612,049) (3,221,679)
Prepaid expenses and other assets (1,665,880) (87,394)
Lease merchandise (63,164,760) (76,789,165)
Security deposits (4,956) (8,338)
Purchase consideration payable related to acquisition 164,102  
Lease liabilities (14,488) (5,811)
Accounts payable (1,976,844) 74,561
Accrued payroll and related taxes (80,258) (165,461)
Accrued expenses 1,009,468 331,542
Net cash used in operating activities (31,236,936) (11,256,031)
CASH FLOWS FROM INVESTING ACTIVITIES    
Cash acquired in business combination 2,938,355
Purchases of property and equipment, including capitalized software costs (6,498,115) (4,065,384)
Purchases of data costs (1,640,885) (884,160)
Net cash used in investing activities (5,200,645) (4,949,544)
CASH FLOWS FROM FINANCING ACTIVITIES    
Proceeds from loan payable under credit agreement 36,455,000 19,850,000
Repayment of loan payable under credit agreement (5,730,000) (6,575,000)
Debt issuance related costs (166,745) (565,273)
Proceeds from exercise of stock options 261,505 68,172
Proceeds from promissory notes to related parties 7,000,000
Principal payment under finance lease obligation (11,184) (7,707)
Repayment of purchase consideration payable related to acquisition (283,266)
Repayment of installment loan (9,022) (11,207)
Net cash provided by financing activities 37,516,288 12,758,985
INCREASE / (DECREASE) IN CASH and RESTRICTED CASH 1,078,707 (3,446,590)
CASH and RESTRICTED CASH, beginning of period 5,094,642 8,541,232
CASH and RESTRICTED CASH, end of period 6,173,349 5,094,642
Supplemental cash flow information:    
Interest paid 10,289,334 $ 4,945,690
Acquisition of loan receivables at fair value 13,320,326  
Acquisition of property and equipment 136,249  
Acquisition of intangible assets 15,307,894  
Acquisition of purchase consideration payable related to acquisition 8,539,582  
Acquisition of accounts payable 506,607  
Acquisition of deferred tax liability 4,773,370  
Issuance of promissory note related to acquisition $ 3,421,991