Customer Loans Receivable (Tables)
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6 Months Ended |
Jun. 30, 2026 |
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| Customer Loans Receivable |
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| Schedule of customer loans receivable by credit rating |
| | | | | | | | | | | | | | June 30, 2026 | | | | 2023 | | | 2022 | | | 2021 | | | Prior | | | Total | | | % | | Prime - FICO score 680 and greater | | $ | - | | | $ | - | | | $ | - | | | $ | 2,374,047 | | | $ | 2,374,047 | | | | 88.7 | % | Near-prime - FICO score 620 to 679 | | | - | | | | - | | | | - | | | | 250,685 | | | | 250,685 | | | | 9.3 | % | Sub-prime - FICO score less than 620 | | | - | | | | - | | | | - | | | | 52,955 | | | | 52,955 | | | | 2.0 | % | Business entity — FICO not available | | | - | | | | - | | | | - | | | | - | | | | - | | | - | % | Total Customer Loan Receivables, gross | | $ | - | | | $ | - | | | $ | - | | | $ | 2,677,687 | | | $ | 2,677,687 | | | | 100.0 | % |
| | | | | | | | | | | December 31, 2025 | | | | 2022 | | | 2021 | | | Prior | | | Total | | | % | | Prime - FICO score 680 and greater | | $ | - | | | $ | - | | | $ | 2,950,941 | | | $ | 2,950,941 | | | | 88.5 | % | Near-prime - FICO score 620 to 679 | | | 122 | | | | - | | | | 251,723 | | | | 251,845 | | | | 7.5 | % | Sub-prime - FICO score less than 620 | | | - | | | | - | | | | 124,373 | | | | 124,373 | | | | 3.7 | % | Business entity — FICO not available | | | - | | | | 10,303 | | | | - | | | | 10,303 | | | | 0.3 | % | Total Customer Loan Receivables, gross | | $ | 122 | | | $ | 10,303 | | | $ | 3,327,037 | | | $ | 3,337,462 | | | | 100.0 | % |
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| Schedule of customer loans receivable |
| | June 30, 2026 | | | December 31, 2025 | | | | | | | | | Customer loans receivable, gross | | $ | 2,677,687 | | | $ | 3,337,462 | | Allowance for loan losses | | | (128,653 | ) | | | (206,479 | ) | Customer loans receivable, net | | | 2,549,034 | | | | 3,130,983 | | Less: Current portion | | | 779,497 | | | | 874,617 | | Non-current portion | | $ | 1,769,537 | | | $ | 2,256,366 | |
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| Schedule of maturities of customer loans receivable |
For the year ending December 31, | | Amount | | 2026 (remainder of) | | $ | 394,017 | | 2027 | | | 753,804 | | 2028 | | | 607,474 | | 2029 | | | 427,803 | | 2030 | | | 264,724 | | Thereafter | | | 229,865 | | Total customer loans receivable | | $ | 2,677,687 | |
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| Schedule of allowance for loan losses |
| | Six Months Ended June 30, | | | | 2026 | | | 2025 | | | | | | | Balance – beginning of period | | $ | 206,479 | | | $ | 280,082 | | Provision (recovery) for loan losses | | | (92,866 | ) | | | (54,261 | ) | Adjustments | | | 15,040 | | | | 7,487 | | Balance – end of period | | $ | 128,653 | | | $ | 233,308 | |
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