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      "text": "Notes:\n1. Metrics are unaudited\n2. Other costs consists of one-time expenses incurred in the period associated with the Company's initial public offering, its acquisitions, and sublease impairment charges",
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      "text": "GAAP to Non-GAAP Expense Reconciliations, Q4'20\n($ in 000s)\nThree Months Ended June 30, 2020\nGAAP\nD&A\nStock-Based Compensation Expense\nEnterprise Warrant & Share Based Expenses\nOther Costs\nNon-GAAP\nLoss on loan purchase commitment\n55,311\n0\n0\n0\n0\n55,311\nProvision for credit losses\n(32,171)\n0\n0\n0\n0\n(32,171)\nFunding costs\n7,817\n0\n0\n0\n0\n7,817\nProcessing and servicing\n14,806\n40\n28\n0\n0\n14,738\nTotal Transaction Costs\n45,763\n40\n28\n0\n0\n45,695\nTechnology and data analytics\n31,744\n1,702\n1,988\n0\n0\n28,054\nSales and marketing\n5,066\n237\n868\n0\n0\n3,961\nGeneral and administrative\n31,439\n44\n2,496\n0\n0\n28,899\nOther Operating Expenses\n68,249\n1,983\n5,352\n0\n0\n60,914\nTotal Operating Expenses\n114,012\n2,023\n5,380\n-\n-\n106,609",
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