The market opportunity for consumer loans in the U.S. is large and growing substantially. During a recession, demand for the firm's consumer credit products would likely increase, although charge-offs would also increase. With a consolidation in community banks and a general pullback of that industry from various local markets, OPRT appears to have a significant opportunity to fill the void.

https://seekingalpha.com/article/4292136-ipo-update-profitable-oportun-financial-readies-100-million-ipo