Local small businesses are using Café resources, pop-up experiences and events to create their own success stories.

Share your small business story on social media using #WeWorkAsOne

“The Café has provided us with
incredible support.”

Josh Candelaria, Max Wahl
& Evan Bambico,
Scholar Wine

In 2015, three Santa Clara university undergrads set out to combine an interest in wine-making with the desire to give outstanding students the same educational opportunities they’d had. And from dorm room to successful non-profit, Candelaria, Wahl and Bambico have partnered with the Café to network and make connections that have helped move the business forward.

Started as a wine club and since moving into event-service, Scholar Wine has used revenue from their wine sales to fund three student scholarships so far, and they look forward to providing more in the future. If you’re interested in learning more, you can attend one of their own upcoming sponsored events, hosted at the Capital One Café in San Francisco.

“I want to share Jamu
with my community.”

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.

By offering products through Peet’s Coffee® 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.

“A passion became a start-up
and now a small business.”

Gerald Luna, b. street waffles

b. street waffles has been catering its traditional Belgian 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.

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.

Get opportunities to network and learn with Small Talk Thursdays and small business workshops.

Creative Entrepreneur Workshop

Join Lifestyle Expert, Gwen Lane of “The LA Girl”.

Sharpen your branding and marketing skills, define short- and long-term goals key to mapping out your small business—and plenty more.

Thurs, July 20, 2017, 5pm-6:30pm - Space is limited!


Small Business Social Media Best Practices

Join Neil Hiltz, Head of Global Financial Services Strategy, Facebook.

Boost your business’ bottom line by leveraging the social media platform to promote your business.

Thurs, July 20, 2017, 7pm-9pm - Space is limited!


Avoiding the Small Business Retirement Crisis

Join Rob Younger, VP of Customer Engagement, Spark 401k.

Learn how small business owners can ensure they are prepared for retirement.

Thurs, July 27, 2017, 6pm-8pm - Space is limited!


Turning a Small Loan into Business Success

Join Jonny Price, Senior Director at Kiva.

A panel discussion with Kiva on how small businesses can turn a small loan into business success and tap into other Bay Area small business resources.

Thurs, Aug 3, 2017, 6pm-8pm - Space is limited!


Driving Growth in a Mobile-First World

Join Nicole Franz, Senior Account Manager, Google.

Uncover ways small businesses can adopt various mobile technologies to effectively reach new customers and drive business growth.

Thurs, Aug 10, 2017, 6pm-8pm - Space is limited!


Union Square Café

101 Post St, San Francisco, CA 94108

We believe banking should fit your everyday life. So we created a welcoming place where you can relax while you bank and connect with people and new tools. All with a cup of joe in hand, fresh-brewed by Peet's Coffee®.

(415) 248-4920
Mon - Fri: 7am - 6pm

Find Another Café

Solutions and tools to move small business forward.

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 a 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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The right partners make all the difference.


Kiva.org 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 $1 billion in microloans to 2.4 million entrepreneurs 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-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 paperwork and manual data entry when managing their business.

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Bill.com 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 Bill.com, Spark Business customers have access to free online bill pay and seamless electronic invoicing from their desktop or mobile device.

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