What the data revealed:
✅ Net-positive portfolio: $435.8M disbursed, $473.1M recovered
⚠️ 13.8% bad loan rate = $28.25M net capital loss
📊 Debt consolidation drives nearly half of all loan applications
⏳ 73% of borrowers chose 60-month terms over 36-month
📍 60%+ of repayments concentrated in just 5 states (CA, NY, FL, TX, NJ)