In 2008, Rob Frohwein recognized that companies like eBay offered automated access to small business transaction data via APIs. Rob realized small businesses can simply share this data to allow underwriters to make better, faster credit decisions and provide a great user experience. He co-founded Kabbage in Atlanta, Georgia to leverage this power of real-time data automation through technology and has since expanded the business to serve all small businesses throughout the U.S. In the U.S., Kabbage has provided $3.5 billion to 100,000 customers. In addition, Kabbage has licensed its technology to large, global banks such as ING, Santander and Scotiabank so they can provide the same experience to their small business customers and Kabbage’s technology now powers automated small business lending in Australia, Spain, the U.K., Canada and Mexico. Kabbage has been recognized for its technology and innovation with awards from CNBC, Inc., Forbes and Fast Company and named one of Glassdoor’s 2017 Best Places to Work for companies with fewer than 1,000 employees.

Before founding Kabbage, Rob established, led and/or advised several successful businesses, including LAVA Group, U.S. Micro Corporation (acquired by Arrow Electronics) and Surgical Biologics (acquired by MiMedx). Additionally, he led business development and legal for ZapMedia and Security First Network Bank (SFNB), the first truly online bank. Prior to SFNB, Rob practiced corporate and intellectual property law with Troutman Sanders LLP. He is the listed inventor on seven United States Patents, a co-author of three books on intellectual property and has been recognized four times as one of the top 300 intellectual property strategists globally by Intellectual Asset Magazine.

As Kabbage expands and continues to support more small businesses, Rob ensures the company maintains great conviction to its vision, as well as a unique culture and considerable laughter quotient. One of his favorite small businesses is ACME Farms + Kitchen, an online food purveyor that Rob admires for their efficiency and ingenuity in creating interesting and delicious meals.

Candace Sjogren is the Head of Alternative Lending for Marqeta, a modern issuer/processor of prepaid, virtual and credit solutions for on demand services, e-commerce providers and alternative lenders. Candace formerly founded and managed CXO Solutions, a management consulting firm that operated as an active “Executive in Residence” or member among the C-suite with each of the companies they served.

In this role, Candace has served as Executive Vice President at ValueOne, a small business financial services provider, offering small business owners access to working capital solutions, insurance, payroll processing, merchant services and investment advice; and as Chief Strategy Officer at PlanetTogether (planettogether.com), a leader in supply chain planning, scheduling, optimization and analytics, at Dealstruck (dealstruck.com), an online lending platform that provides loans and lines of credit to small business borrowers, LoanHero (loanhero.com), an online marketplace lender for consumer loans at the merchant point of sale, and the NAD Treatment Center, San Diego, a cutting-edge addiction recovery clinic utilizing NAD to reduce cravings for drugs and alcohol..

Prior to CXO and ValueOne, Candace was the founder and CEO of two fin-tech companies, where she raised several million dollars in venture funding.

Candace co-authored the legislation that became the JOBS Act in 2012, then chaired the Crowdfund Intermediary Regulatory Advocates, the industry advocacy group for platforms and broker dealers affected by the JOBS Act. Candace continues to serve as and investor and General Counsel for Women Investing in Women, a global NGO focused on increasing access to capital for female entrepreneurs.

Candace Sjogren received her bachelor degree in Communications and law degree from Northern Kentucky University, and lives in Los Angeles with her husband.