Candace D’Agnolo left her corporate job at a big ad agency and spent over 15 years running brick-and-mortar businesses, including a pet supply store and a doggy daycare. She launched her own pet spas, and by the age of 28 had three retail locations in Chicago and 30 employees. However, she also had a massive amount of bank debt and SBA loans, and her husband wanted to take a job in New York.  Now, at…