Ann: Money3 Secures $150m Debt Facility, page-21

From the BP report

"However, the benefits of the change (lower funding cost, more available funding to grow the automotive finance book), is not enough to absorb the earnings hit in FY19 and FY20 from the lost online and branch network business. This is exacerbated by the company not materialising a meaningful price for the assets being disposed of, with the main benefit being the capital that it will release and where MNY will redeploy it. Following the update we have upgraded our FY18 estimate by 0.4%, while we have downgraded our FY19 and FY20 estimate by -6.1% and -13.7% respectively. The downgrade is primarily driven by the anticipated exit of the online and branch network book."

Presumably the problem is the price they can get for a pay day lender is low and it takes time to build up the car loan business to replace the immediate lost earnings.