Funding ConstraintsLimited access to funding has constrained the company’s ability to originate loans, capping potential revenue growth despite strong customer demand.
Warehouse Financing UncertaintyUncertainty around securing a revolving warehouse facility poses a material risk to restoring normal sales volumes and could prolong reduced origination capacity.
Weather-related Operational DisruptionSevere winter storms disrupted store operations and customer payments, creating meaningful collection challenges and increasing credit risk.