Pay vs Performance Disclosure - USD ($) | 3 Months Ended | 9 Months Ended | 12 Months Ended |
Dec. 31, 2022 | Oct. 06, 2022 | Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020 |
Pay vs Performance Disclosure [Table] | | | | | |
Pay vs Performance [Table Text Block] | | | Pay vs. Performance The following table sets forth information regarding the Company’s performance and actually YEAR SUMMARY (1) SUMMARY (1) COMPENSATION (1)(2) COMPENSATION (1)(2) AVERAGE NON-PEO (3) AVERAGE NON-PEO (2)(3) VALUE OF INITIAL FIXED $100 INVESTMENT NET ADJUSTED (6) TOTAL (4) 2022 PEER (4)(5) 2021 PEER (4)(5) 2022 $ 6,651,233 $ 2,390,833 $ 6,106,733 $ 398,800 $ 1,923,448 $ 614,385 $ 49.09 $ 63.25 $ 86.38 $ 66,620 $ 105,736 2021 N/A $ 2,299,501 $ N/A $ 1,505,717 $ 4,525,451 $ 2,835,971 $ 163.49 $ 113.99 $ 125.61 $ 146,082 $ 154,990 2020 N/A $ 4,398,024 $ N/A $ 4,658,825 $ 2,763,603 $ 2,930,602 $ 254.25 $ 90.09 $ 110.04 $ (90,716 ) $ 69,526 (1) The prior PEO was John J. Flynn, who served as the Company’s CEO in 2020, 2021 and 2022 through October 6, 2022. Following Mr. Flynn’s retirement, Keith A. Jezek was appointed as the Company’s CEO, effective October 7, 2022, and is the current PEO. (2) Compensation actually paid to the current PEO and the prior PEO and average compensation actually paid to the non-PEO 2022 ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE CURRENT PEO PRIOR PEO AVERAGE FOR NON- Summary Compensation Table Amount $ 6,651,233 $ 2,390,833 $ 1,923,448 Adjustments: Increase/(Decrease) for amounts reported under the Stock Awards Column in the Summary Compensation Table $ (6,113,250 ) $ (1,749,981 ) $ (1,365,476 ) Increase/(Decrease) for fair value at year-end year-end $ 5,568,750 $ 439,938 $ 861,854 Increase/(Decrease) for change in fair value from prior year-end year-end year-end $ — $ (606,863 ) $ (588,333 ) Increase/(Decrease) for change in fair value from prior year-end $ — $ (75,127 ) $ (217,107 ) Compensation Actually Paid Amount $ 6,106,733 $ 398,800 $ 614,385 2021 ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE CURRENT PEO PRIOR PEO AVERAGE FOR NON- Summary Compensation Table Amount N/A $ 2,299,501 $ 4,525,451 Adjustments: Increase/(Decrease) for amounts reported under the Stock Awards Column in the Summary Compensation Table N/A $ (1,290,115 ) $(3,635,985) Increase/(Decrease) for fair value at year-end year-end N/A $ 867,278 $ 2,181,605 Increase/(Decrease) for change in fair value from prior year-end year-end year-end N/A $ (361,109 ) $ (228,584) Increase/(Decrease) for change in fair value from prior year-end N/A $ (9,838 ) $ (6,516) Compensation Actually Paid Amount N/A $ 1,505,717 $ 2,835,971 2020 ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE CURRENT PEO PRIOR PEO AVERAGE FOR NON- Summary Compensation Table Amount N/A $ 4,398,024 $ 2,763,603 Adjustments: Increase/(Decrease) for amounts reported under the Stock Awards Column in the Summary Compensation Table N/A $ (1,087,956 ) $ (696,653) Increase/(Decrease) for fair value at year-end year-end N/A $ 1,348,757 $ 863,652 Increase/(Decrease) for change in fair value from prior year-end year-end year-end N/A $ — $ — Increase/(Decrease) for change in fair value from prior year-end N/A $ — $ — Compensation Actually Paid Amount N/A $ 4,658,825 $ 2,930,602 (3) The non-PEO (4) Total Stockholder Return and Peer Group Total Stockholder Return assume $100 invested on June 10, 2020, the day the Company became a public company as a result of the Business Combination. (5) For purposes of this disclosure, our peer group in 2022 consisted of nine companies, including Green Dot Corporation, Jack Henry & Associates, Inc., LendingClub Corporation, Pagaya Technologies Ltd., Paymentus Holdings, Inc., Q2 Holdings, Inc., Repay Holdings Corporation, SoFi Technologies, Inc. and Upstart Holdings, Inc. (the “2022 Peer Group”). The 2022 Peer Group is consistent with the peer group used in Item 5 of our Annual Report on Form 10-K 10-K (6) Adjusted EBITDA is the measure we believe represents the most important financial performance metric not otherwise presented in the table above that we use to link Compensation Actually Paid to our NEOs to our Company’s performance. | | |
Company Selected Measure Name | | | Adjusted EBITDA | | |
Named Executive Officers, Footnote [Text Block] | | | The non-PEO | | |
Peer Group Issuers, Footnote [Text Block] | | | (4) Total Stockholder Return and Peer Group Total Stockholder Return assume $100 invested on June 10, 2020, the day the Company became a public company as a result of the Business Combination. (5) For purposes of this disclosure, our peer group in 2022 consisted of nine companies, including Green Dot Corporation, Jack Henry & Associates, Inc., LendingClub Corporation, Pagaya Technologies Ltd., Paymentus Holdings, Inc., Q2 Holdings, Inc., Repay Holdings Corporation, SoFi Technologies, Inc. and Upstart Holdings, Inc. (the “2022 Peer Group”). The 2022 Peer Group is consistent with the peer group used in Item 5 of our Annual Report on Form 10-K 10-K | | |
Adjustment To PEO Compensation, Footnote [Text Block] | | | (2) Compensation actually paid to the current PEO and the prior PEO and average compensation actually paid to the non-PEO 2022 ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE CURRENT PEO PRIOR PEO AVERAGE FOR NON- Summary Compensation Table Amount $ 6,651,233 $ 2,390,833 $ 1,923,448 Adjustments: Increase/(Decrease) for amounts reported under the Stock Awards Column in the Summary Compensation Table $ (6,113,250 ) $ (1,749,981 ) $ (1,365,476 ) Increase/(Decrease) for fair value at year-end year-end $ 5,568,750 $ 439,938 $ 861,854 Increase/(Decrease) for change in fair value from prior year-end year-end year-end $ — $ (606,863 ) $ (588,333 ) Increase/(Decrease) for change in fair value from prior year-end $ — $ (75,127 ) $ (217,107 ) Compensation Actually Paid Amount $ 6,106,733 $ 398,800 $ 614,385 2021 ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE CURRENT PEO PRIOR PEO AVERAGE FOR NON- Summary Compensation Table Amount N/A $ 2,299,501 $ 4,525,451 Adjustments: Increase/(Decrease) for amounts reported under the Stock Awards Column in the Summary Compensation Table N/A $ (1,290,115 ) $(3,635,985) Increase/(Decrease) for fair value at year-end year-end N/A $ 867,278 $ 2,181,605 Increase/(Decrease) for change in fair value from prior year-end year-end year-end N/A $ (361,109 ) $ (228,584) Increase/(Decrease) for change in fair value from prior year-end N/A $ (9,838 ) $ (6,516) Compensation Actually Paid Amount N/A $ 1,505,717 $ 2,835,971 2020 ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE CURRENT PEO PRIOR PEO AVERAGE FOR NON- Summary Compensation Table Amount N/A $ 4,398,024 $ 2,763,603 Adjustments: Increase/(Decrease) for amounts reported under the Stock Awards Column in the Summary Compensation Table N/A $ (1,087,956 ) $ (696,653) Increase/(Decrease) for fair value at year-end year-end N/A $ 1,348,757 $ 863,652 Increase/(Decrease) for change in fair value from prior year-end year-end year-end N/A $ — $ — Increase/(Decrease) for change in fair value from prior year-end N/A $ — $ — Compensation Actually Paid Amount N/A $ 4,658,825 $ 2,930,602 | | |
Non-PEO NEO Average Total Compensation Amount | | | $ 1,923,448 | $ 4,525,451 | $ 2,763,603 |
Non-PEO NEO Average Compensation Actually Paid Amount | | | $ 614,385 | 2,835,971 | 2,930,602 |
Adjustment to Non-PEO NEO Compensation Footnote [Text Block] | | | (2) Compensation actually paid to the current PEO and the prior PEO and average compensation actually paid to the non-PEO 2022 ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE CURRENT PEO PRIOR PEO AVERAGE FOR NON- Summary Compensation Table Amount $ 6,651,233 $ 2,390,833 $ 1,923,448 Adjustments: Increase/(Decrease) for amounts reported under the Stock Awards Column in the Summary Compensation Table $ (6,113,250 ) $ (1,749,981 ) $ (1,365,476 ) Increase/(Decrease) for fair value at year-end year-end $ 5,568,750 $ 439,938 $ 861,854 Increase/(Decrease) for change in fair value from prior year-end year-end year-end $ — $ (606,863 ) $ (588,333 ) Increase/(Decrease) for change in fair value from prior year-end $ — $ (75,127 ) $ (217,107 ) Compensation Actually Paid Amount $ 6,106,733 $ 398,800 $ 614,385 2021 ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE CURRENT PEO PRIOR PEO AVERAGE FOR NON- Summary Compensation Table Amount N/A $ 2,299,501 $ 4,525,451 Adjustments: Increase/(Decrease) for amounts reported under the Stock Awards Column in the Summary Compensation Table N/A $ (1,290,115 ) $(3,635,985) Increase/(Decrease) for fair value at year-end year-end N/A $ 867,278 $ 2,181,605 Increase/(Decrease) for change in fair value from prior year-end year-end year-end N/A $ (361,109 ) $ (228,584) Increase/(Decrease) for change in fair value from prior year-end N/A $ (9,838 ) $ (6,516) Compensation Actually Paid Amount N/A $ 1,505,717 $ 2,835,971 2020 ADJUSTMENTS TO SUMMARY COMPENSATION TABLE TOTALS TO DETERMINE CURRENT PEO PRIOR PEO AVERAGE FOR NON- Summary Compensation Table Amount N/A $ 4,398,024 $ 2,763,603 Adjustments: Increase/(Decrease) for amounts reported under the Stock Awards Column in the Summary Compensation Table N/A $ (1,087,956 ) $ (696,653) Increase/(Decrease) for fair value at year-end year-end N/A $ 1,348,757 $ 863,652 Increase/(Decrease) for change in fair value from prior year-end year-end year-end N/A $ — $ — Increase/(Decrease) for change in fair value from prior year-end N/A $ — $ — Compensation Actually Paid Amount N/A $ 4,658,825 $ 2,930,602 | | |
Compensation Actually Paid vs. Total Shareholder Return [Text Block] | | | | | |
Compensation Actually Paid vs. Net Income [Text Block] | | | | | |
Compensation Actually Paid vs. Company Selected Measure [Text Block] | | | | | |
Total Shareholder Return Vs Peer Group [Text Block] | | | | | |
Tabular List [Table Text Block] | | | Listed below are the financial and non-financial MEASURE NATURE EXPLANATION Adjusted EBITDA Financial measure Non-GAAP Certified Loans Non-financial The number of certified loans generated by the Company in 2022. Total Revenue Financial measure Total revenue in 2022. Cash EBITDA Financial measure Non-GAAP plus (vi) non-operational minus (4) non-operational Adjusted Operating Cash Flow Financial measure Non-GAAP | | |
Total Shareholder Return Amount | | | $ 49.09 | 163.49 | 254.25 |
Net Income (Loss) | | | $ 66,620,000 | $ 146,082,000 | $ (90,716,000) |
Company Selected Measure Amount | | | 105,736,000 | 154,990,000 | 69,526,000 |
Measure [Axis]: 1 | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Measure Name | | | Adjusted EBITDA | | |
Non-GAAP Measure Description [Text Block] | | | Adjusted EBITDA is the measure we believe represents the most important financial performance metric not otherwise presented in the table above that we use to link Compensation Actually Paid to our NEOs to our Company’s performance. | | |
Measure [Axis]: 2 | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Measure Name | | | Certified Loans | | |
Measure [Axis]: 3 | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Measure Name | | | Total Revenue | | |
Measure [Axis]: 4 | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Measure Name | | | Cash EBITDA | | |
Measure [Axis]: 5 | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Measure Name | | | Adjusted Operating Cash Flow | | |
John J. Flynn [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
PEO Total Compensation Amount | | | $ 2,390,833 | $ 2,299,501 | $ 4,398,024 |
PEO Actually Paid Compensation Amount | | | 398,800 | $ 1,505,717 | $ 4,658,825 |
PEO Name | | John J. Flynn | | John J. Flynn | John J. Flynn |
Keith A. Jezek [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
PEO Total Compensation Amount | | | 6,651,233 | | |
PEO Actually Paid Compensation Amount | | | 6,106,733 | | |
PEO Name | Keith A. Jezek | | | | |
Two Thousand and Twenty Two Peer Group [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Peer Group Total Shareholder Return Amount | | | 63.25 | $ 113.99 | $ 90.09 |
Two Thousand and Twenty One Peer Group [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Peer Group Total Shareholder Return Amount | | | 86.38 | 125.61 | 110.04 |
PEO [Member] | John J. Flynn [Member] | Increase(Decrease) for amounts reported under the Stock Awards Column [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | (1,749,981) | (1,290,115) | (1,087,956) |
PEO [Member] | John J. Flynn [Member] | Increase(Decrease) for fair value at yearend of awards granted during year that remain unvested as of yearend [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | 439,938 | 867,278 | 1,348,757 |
PEO [Member] | John J. Flynn [Member] | Increase(Decrease) for change in fair value from prior yearend to current yearend of awards granted prior to year that were outstanding and unvested as of yearend [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | (606,863) | (361,109) | |
PEO [Member] | John J. Flynn [Member] | Increase(Decrease) for change in fair value from prior yearend to vesting or forfeiture date of awards granted prior to year that vested or were forfeited during year [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | (75,127) | (9,838) | |
PEO [Member] | Keith A. Jezek [Member] | Increase(Decrease) for amounts reported under the Stock Awards Column [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | (6,113,250) | | |
PEO [Member] | Keith A. Jezek [Member] | Increase(Decrease) for fair value at yearend of awards granted during year that remain unvested as of yearend [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | 5,568,750 | | |
Non-PEO NEO [Member] | Increase(Decrease) for amounts reported under the Stock Awards Column [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | (1,365,476) | (3,635,985) | (696,653) |
Non-PEO NEO [Member] | Increase(Decrease) for fair value at yearend of awards granted during year that remain unvested as of yearend [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | 861,854 | 2,181,605 | $ 863,652 |
Non-PEO NEO [Member] | Increase(Decrease) for change in fair value from prior yearend to current yearend of awards granted prior to year that were outstanding and unvested as of yearend [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | (588,333) | (228,584) | |
Non-PEO NEO [Member] | Increase(Decrease) for change in fair value from prior yearend to vesting or forfeiture date of awards granted prior to year that vested or were forfeited during year [Member] | | | | | |
Pay vs Performance Disclosure [Table] | | | | | |
Adjustment to Compensation Amount | | | $ (217,107) | $ (6,516) | |