Creating opportunities for access to microfinance, services, and markets to improve the lives and communities of the working poor in Latin America.




Creating opportunities for access to microfinance and services to improve the lives and communities of the working poor in Latin America.


Impact Investing for Social Change

For over 35 years, Working Capital for Community Needs (WCCN) has created opportunities for access to microfinance and services to improve the lives and communities of the working poor in Latin America. As one of the first social impact funds in the United States, we have invested a more than $140 million, reaching an average of approximately 20,000 small business owners a year. 

WCCN empowers low-income Latin American entrepreneurs by sustaining partnerships with microfinance organizations and fair trade coffee organizations in Nicaragua, Ecuador, El Salvador, Honduras, Guatemala, Argentina, Bolivia, Mexico, Colombia, and Peru.

The people who receive our support have the abilities, work ethic and hope for a better life, but need access to financial resources and capacity building.  As an investor or donor of WCCN, you can personally make this life changing work happen.


COVID-19 Relief Fund

To assist our partners in Latin America during this time of uncertainty, we raised over $50,000 for badly needed food and PPE support for our end borrowers. 

WCCN 2019 Annual Report

2019 was a year of growth, lessons, reflections and so much more. Click below to see what WCCN did in 2019.




What We Do

Impact Investing

WCCN helps people work their way out of poverty in Latin America by providing microfinance loans to low-income entrepreneurs and small-scale farmers. We help get their small businesses off the ground, or expand their farms as they’ve always dreamed. As their businesses grow, so too do their communities, creating more opportunities for others around them. In Nicaragua, for instance, a small microfinance loan of just a few hundred dollars can help ensure small-business dreams are put into action.

Empowering Women

Central to WCCN’s women empowerment initiatives is the belief that women deserve the opportunity to pull themselves out of poverty. They have the right to own land, to obtain an education, to be producers, to have adequate healthcare, and to provide for themselves and their families without the threat of violence. Historically, more than two-thirds of our partner agencies' clients have been women.  These women are starting their own businesses and expanding their farms with the dream of securing a better, healthier, future for themselves and their families.

Advancing the Sustainable Development Goals

The United Nations' 17 Sustainable Development Goals (SDGs) provide WCCN with an important development framework that allows us to measure our impact in areas including gender equality, health and well-being, and education. 21 of our 23 partner organizations set targets related to 15 SDGs, contributing to a future that values environmental, social, and economic well-being.

Financial Inclusion

WCCN lends to microfinance and fair trade partners which work with the poorest and hardest to reach people.  This includes rural farmers, women business owners, and indigenous/minority groups who, for whatever reason, have been excluded from the financial system.  WCCN finances organizations which also provide support services provided to micro-borrowers or cooperative members, such as business training, health services, and others, as we view these are essential to promoting financial inclusion.

Access to Housing

Inadequate housing is one of the most visible consequences of poverty and negatively affects the health and vitality of communities. WCCN works with partner organizations to provide technical assistance and improvements to housing conditions of marginalized populations. Combining sweat equity, donated funds, and affordable loans, WCCN is able to assist in providing accessible financing to people who cannot afford, nor qualify for, traditional financing.

Fair Trade Coffee

WCCN helps small-scale coffee farmers increase their income and access to international fair trade markets by lending to coffee cooperatives. Latin American coffee cooperatives organized by small-scale farmers often lack the cash to purchase their members’ coffee harvest. When this happens, farmers often sell to independent buyers for a lower price or wait months before receiving payment. By providing short-term loans to coffee cooperatives at the time of harvest, WCCN can add to the 1.3 million farmers in more than 70 countries that are represented by the fair trade movement, ensuring more small-scale farmers are receiving a fair price for their coffee.

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Giving Feels Great




When you give to WCCN, you join a movement of people who are using their resources to empower the working poor to improve their lives.

By donating today, you will:

  • Address one of the root causes of poverty and social injustice: lack of access to credit for the poor and disenfranchised.

  • Support the working poor, indigenous populations, and those in rural areas.

  • Provide financing to around 20,000 microfinance borrowers and small scale farmers achieve their dreams every year.









Address: 211 S Paterson Street, Suite 260, Madison WI 53703

Tel:  608.257.7230

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