They just need to keep doing exactly what they are doing IMO,...

They just need to keep doing exactly what they are doing IMO, and wait for the macro conditions to change - which they will at some point.

WZR are:

Well funded (both on their balance sheet, and also with their capacity to loan).
Loan originations continue to be strong - with their loan book now getting close to $1b.
Revenues growing strongly to $43m in the first half of this year (up 65% on PCP).
They are raising rates at the front end - to maintain a good nett interest margin.
The quality of their loans continues to be strong (nett loan write offs were 1.3%), and their 90+ day arrears are still low at around 1.07%.
The latest quaterly showed a cash flow positive amount of around $1,500,000.
First half also showed a much improved Cash EBTDA of minus $1.3m - and with the second quarter of the half being a positive Cash EBTDA of $0.5m.

Whilst conditions will get even worse for borrowers in the short term, personally I can't see the much higher interest rates lasting for too long - before the RBA has to start cutting rates again.

These are really interesting times for lenders like WZR, but they appear to be doing a great job of navigating the quick ramp up in interest rates & tougher credit conditions.

So I am backing them to come out the other side as a super strong business - and with a much higher market cap than around the current market cap of $82m.