In our conversation, Rob and Kathryn tell their story, on how they’ve built a company that has extended $6 billion in credit to 165,000 people in the United States. They explain how they started with e-commerce companies and now service all small businesses.  They describe their gradual realization that their loans can help these businesses manage cash flow -- a critical need. And they share their thinking on the regulatory challenges ahead for the space, including the risk that new regulation will stifle innovation.