For the doers who work in new ways. For the dreamers who work ideas into businesses. For the go-getters who work to build their communities. We provide you with unique and unexpected support.

Together, We Work As OneSM.

Meet some small business owners we proudly support with localized resources, workshops, pop-up experiences and tools for growth. It’s small business banking, reimagined.

Morsinah Katimin
Jamu Earth Drink

Jamu Earth Drink is an Indonesian-inspired beverage made by brewing turmeric, tamarind, a sweetener and a variety of herbs and spices. Founder Morsinah Katimin began working with Capital One shortly after starting the company in 2010. Leveraging a Kiva loan through a partnership with Capital One, Morsinah was able to produce more flavors and capture the attention of potential investors. See MoreSee Less

By offering products in the Capital One Café in San Francisco, Jamu Earth Drink gained awareness, won new customers and earned several other business opportunities. With the support and trust of Capital One, Katimin’s company increased its sales by 800%, securing shelf space in Bay Area independent grocery stores and 400 stores in Malaysia.

Gerald Luna
b. street waffles

b. street waffles has been catering its traditional Belgium street waffles to companies in the San Francisco Bay Area since 2011. Early on, Founder Gerald Luna approached his local Capital One Café about hosting a pop-up experience within the location, and he hasn’t looked back since. Once a month for the past five years, one-of-a-kind b. street waffles has created a stir and buzz throughout the café. See MoreSee Less

With the support of Capital One, Gerald has grown his business and now caters to some of the top technology companies in the SF Bay Area—many of whom first experienced his waffles at the Capital One Café. Building on his success, Gerald is looking forward to opening his first b. street waffles storefront later this year.

Michelle Zaffino
In the Stacks

In the Stacks provides tailored book recommendations, using technology and algorithms to combine top librarian book picks with users’ reading preferences. It helps users discover new book choices based on their interests. Michelle was already familiar with the Capital One Café when she started developing In the Stacks in 2015. See MoreSee Less

While building the company’s financial model, Michelle leveraged advice from a Capital One money-coaching seminar, which improved both her personal and business finances. Today, Michelle visits the café almost daily and has formed strong relationships with the associates who help her keep her business growth on track.

Let’s Work As One. See how you can move your business forward with our pop-up experiences, networking events and educational demos.

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Set your business up for success.

Spark® Business Checking

Spark® Business Checking is our online checking product for business owners located across the U.S. It offers no minimum deposits, no minimum balances and no monthly fees, plus free online bill pay and debit cards.

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Spark® Business Savings

Spark® Business Savings is our online savings account providing business owners with a digital solution. It earns one of the most competitive interest rates for the market today. There are no monthly fees and no minimum balance required.

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Spark Pay®

Spark Pay® is an e-commerce and mobile point-of-sale software suite providing a variety of tools and features designed to help small business owners manage and scale their businesses.

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Spark 401kSM

Now even small businesses can have big 401(k) benefits at a small price. Spark 401kSM is designed exclusively for small businesses whether you’re self-employed or have 50+ employees. Spark 401kSM is simple to set up and manage online, is full-featured and provides ongoing guidance from expert advisors to help you and your employees save more for retirement.

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Spark® Credit Cards

You deserve a business credit card that works as hard as you do. With a Spark Cash credit card, you could put thousands of dollars each year back into your business. Enjoy unlimited 2% cash back, free employee cards and $0 Fraud Liability.

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Leverage our partnerships to achieve more.

Kiva is the world’s first and largest crowdfunding platform for social good with a mission to connect people through lending to alleviate poverty. Since 2005, Kiva and their growing global community of 1.6 million lenders have crowdfunded more than $950 million in microloans to 2.4 million entrepre- See MoreSee Less

neurs in 82 countries. Since 2013, Capital One has fueled more than $1.4 million in no-interest loan support to 950 Kiva borrowers, across 43 states.

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Grameen America

Grameen America and Capital One are longstanding partners committed to empowering low-income women entrepreneurs in building small businesses to create better lives for their families by offering microloans, training and support. Since 2009, Capital One has provided nearly $3.2 million in low-
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interest loans to help grow Grameen America’s lending abilities enabling technology adoption for female business owners, financial education and operating support, as well as to connect more than 14,100 first-time members with essential loan capital.

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By making complicated, impersonal business tasks simple and personal, Gusto is reimagining HR, payroll, and benefits for over 40,000 companies nationwide. Gusto integrates with Spark Business' ecosystem to streamline small business owners’ HR management processes eliminating the need for See MoreSee Less

paperwork and manual data entry when managing their business.

Learn More is a cloud-based payments platform that's changing the way businesses pay and get paid. The company reduces the amount of time spent on bill pay and enables business owners to get paid up to 3x faster. Through Capital One's partnership with, Spark Business customers See MoreSee Less

have access to free online bill pay and seamless electronic invoicing from their desktop or mobile device.

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