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Condensed Consolidated Statements of Cash Flows - USD ($)
 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income/ (loss) $ 549,147 $ (4,587,769)
Adjustments to reconcile net income/ (loss) to net cash (used in)/ provided by operating activities:    
Depreciation and impairment of lease merchandise 43,021,351 42,893,163
Other depreciation and amortization 7,134,573 5,674,931
Amortization of debt issuance costs 824,499 376,857
Amortization of discount on the promissory note related to acquisition 0 177,714
Compensation expense related to stock-based compensation 528,920 1,336,367
Provision for doubtful accounts 25,373,485 32,123,950
Deferred income tax 161,415 (1,192,223)
Net changes in the fair value of loans receivables at fair value (11,165,374) (6,258,279)
Changes in operating assets and liabilities:    
Lease receivables (46,759,866) (38,004,947)
Loans receivables at fair value (156,476) 7,510,901
Prepaid expenses and other assets (1,404,487) 641,039
Lease merchandise (37,976,921) (34,939,330)
Purchase consideration payable related to acquisition 0 208,921
Lease liabilities (31,801) (19,566)
Accounts payable (3,535,032) (2,501,399)
Accrued payroll and related taxes 166,174 293,018
Accrued expenses (520,787) (1,170,585)
Net cash (used in)/ provided by operating activities (23,791,180) 2,562,763
CASH FLOWS FROM INVESTING ACTIVITIES    
Purchases of property and equipment, including capitalized software costs (4,889,386) (4,565,819)
Purchases of data costs (1,335,743) (570,820)
Net cash used in investing activities (6,225,129) (5,136,639)
CASH FLOWS FROM FINANCING ACTIVITIES    
Proceeds from loan payable under credit agreement 34,961,690 7,800,000
Repayment of loan payable under credit agreement 0 (2,795,000)
Repayment of loan payable under Basepoint credit agreement 0 (1,500,000)
Repayment of promissory notes to related parties 0 (1,000,000)
Debt issuance related costs (1,523,100) (115,403)
Proceeds from exercise of stock options 0 1,185
Principal payment under finance lease obligation (4,601) (7,308)
Repayment of purchase consideration payable related to acquisition (144,913)
Tax payments associated with equity-based compensation transactions (103,488) 0
Purchase of treasury stock (396,780) (100,225)
Net cash provided by financing activities 32,933,721 2,138,336
INCREASE/ (DECREASE) IN CASH 2,917,412 (435,540)
CASH, beginning of period 4,413,130 6,173,349
CASH, end of period 7,330,542 5,737,809
Supplemental cash flow information:    
Interest paid 14,759,775 12,811,332
Noncash investing and financing activities    
Due date extension of warrants $ 0 $ 917,581