SCCC: the cash flow

Cash Flow Overview

Change in Cash

-$6,894K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income (loss)

3,788

Amortization of deferred financing costs

1,653

Depreciation and amortization expense

368

Stock-based compensation

645

Provision for credit losses related to loans held for investment

2,788

Change in valuation allowance related to loans held for sale

-1,014

Impairment loss on real estate owned

185

Loss (gain) on sale of real estate owned and property and equipment, net

-181

Gain on extinguishment of debt

140

Gain on equity securities

2,060

Change in deferred loan fees

-446

Interest and fees receivable, net

Other assets

-310

Due from borrowers, net

2,251

Accounts payable and accrued liabilities

-960

Advances from borrowers

1,764

Total adjustments and operating changes

1,836

Net cash provided by operating activities

5,624

Purchase of investment securities

Proceeds from the sale of investment securities

2,148

Purchase of interests in limited liability companies

5,742

Proceeds from investments in limited liability companies

18,517

Proceeds from sale of real estate owned

3,282

Acquisitions of and improvements to real estate owned

235

Purchase of property and equipment

Investments in developmental real estate

2,762

Principal disbursements for loans

125,609

Principal collections on loans

112,045

Net cash provided by investing activities

1,589

Proceeds from lines of credit

58,840

Repayments on lines of credit

66,100

Proceeds from repurchase agreements

11,693

Repayments of repurchase agreements

37,576

Repayment of mortgage payable

Repayment of notes payable

56,845

Dividends paid on common shares

7,114

Dividends paid on series a preferred stock

3,352

Proceeds from issuance of senior secured notes

90,000

Payments of deferred financing costs

3,590

Repurchase of common shares

Proceeds from issuance of common shares, net of expenses

Proceeds from issuance of series a preferred stock, net of expenses

Net cash used in financing activities

-14,107

Net decrease in cash and cash equivalents

-6,894

Cash and cash equivalents at beginning of period

18,066

Cash and cash equivalents at end of period

11,172

Time Plot

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