| Schedule of Company’s Loans Held for Investment |
The amortized cost basis of the Company's loans held for investment by delinquency status as of June 30, 2026: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Past Due | | | | Current | | 30-59 days | | 60-89 days | | > 90 days | | Total | | Loans held for investment | $ | 9,670,717 | | | $ | 64,148 | | | $ | 37,241 | | | $ | 23,844 | | | $ | 9,795,950 | | | Allowance for credit losses | | | | | | | | | (1,148,392) | | | Loans held for investment, net | | | | | | | | | $ | 8,647,558 | |
The amortized cost basis of the Company's loans held for investment by delinquency status as of December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Past Due | | | | Current | | 30-59 days | | 60-89 days | | > 90 days | | Total | | Loans held for investment | $ | 8,173,364 | | | $ | 56,831 | | | $ | 24,233 | | | $ | 12,882 | | | $ | 8,267,310 | | | Allowance for credit losses | | | | | | | | | (929,406) | | | Loans held for investment, net | | | | | | | | | $ | 7,337,904 | |
|
| Schedule of Financing Receivable Credit Quality Indicators |
The following tables present an analysis of the credit quality of the amortized cost basis excluding accrued interest receivable, by calendar year of origination on loans held for investment as of June 30, 2026 and December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | Amortized Cost Basis by Calendar Year of Origination | | | | 2026 | | 2025 | | Prior | | Total | | A | $ | 3,265,305 | | | $ | 779,302 | | | $ | 43,038 | | | $ | 4,087,645 | | | B | 2,901,070 | | | 499,220 | | | 33,583 | | | 3,433,873 | | | C | 1,222,914 | | | 498,125 | | | 66,000 | | | 1,787,039 | | | D | 350,001 | | | 130,898 | | | 6,494 | | | 487,393 | | | Total amortized cost basis | $ | 7,739,290 | | | $ | 1,907,545 | | | $ | 149,115 | | | $ | 9,795,950 | |
| | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | Amortized Cost Basis by Calendar Year of Origination | | | | 2025 | | 2024 | | Prior | | Total | | A | $ | 3,366,828 | | | $ | 104,402 | | | $ | 506 | | | $ | 3,471,736 | | | B | 2,639,049 | | | 118,046 | | | 7,976 | | | 2,765,071 | | | C | 1,384,930 | | | 153,755 | | | 34,452 | | | 1,573,137 | | | D | 445,093 | | | 5,102 | | | 7,171 | | | 457,366 | | | Total amortized cost basis | $ | 7,835,900 | | | $ | 381,305 | | | $ | 50,105 | | | $ | 8,267,310 | |
|
| Schedule of Allowance for Credit Losses on Loans Held for Investment |
The following tables summarize the balances of and changes in allowance for credit losses on loans held for investment as of June 30, 2026 and December 31, 2025: | | | | | | | Balance at January 1, 2026 | $ | 929,406 | | | Charge-offs | (419,464) | | | Provision for credit losses | 638,450 | | | Balance at June 30, 2026 | $ | 1,148,392 | | | | | Balance at January 1, 2025 | $ | 816,045 | | | Charge-offs | (901,450) | | | Provision for credit losses | 1,014,811 | | | Balance at December 31, 2025 | $ | 929,406 | |
|