joining us, kabbage ceo rob frohwein. thank you so much for joining us. let's start with softbank. ose conversations start and proceed? rob: thank you for having me on the show. they started -- an affiliate of softbank had invested in a round of ours in 2014. that was a totally separate affiliate. about nine months ago, we started conversations and they just accelerated. emily: what has softbank told you they are particularly interested in when it comes to your company? rob: first of all, they are interested in companies that disrupt industries and companies that can reach audiences and customers that are hard to reach traditionally. as it applies to kabbage, what we are able to do is we are able to take any small business that is out there, have them land on our site and within six or seven minutes deliver capital. we go from knowing nothing about them to knowing an incredible amount through the data they share with us, then funding them and allowing them to grow that business. emily: i was just talking with square ceo jack dorsey. they are moving into more of an underbanked market