Atlanticus is a financial technology company that provides credit and lending solutions to underserved Americans with lower credit scores, operating primarily through a program-manager model where it partners with banks to originate consumer credit products. The company generates revenue through two main segments: Credit as a Service, which includes private label and general purpose credit cards under brands such as Fortiva, Curae, and Aspire, along with loan servicing; and Auto Finance, which purchases and services auto loans and provides floor-plan financing for buy-here-pay-here dealers across multiple states. Revenue is derived from consumer loan fees, annual and maintenance fees, bank partner fees, and servicing income, with products distributed through retail and healthcare point-of-sale locations, direct mail, digital channels, and third-party partnerships, leveraging proprietary analytics and machine learning for credit decisioning.