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, services, and markets to improve the lives and communities of the working poor in Latin America.

Impact Investing for Social Change

For 35 years, Working Capital for Community Needs (WCCN) has created opportunities for access to microfinance, services and markets 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 total of $134 million, reaching an average of 25,000 small business owners every 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 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.



2019 Fall Newsletter

Our last newsletter of the year is here! Click the link below to read the 35th Anniversary Special Issue Newsletter with updates from Guatemala, Nicaragua and more!


WCCN 2019 Year in Review

2019 was a year of growth, lessons, reflections and so much more. Check out what WCCN got up to in 2019!




What We Do

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.

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.

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.

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.

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.

Please reload

Giving Feels Great




- Simply click the 'Donate Now' button to the left

- Give through your PayPal account

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 people that live on less than $2 per day,

indigenous populations, and those in rural areas.

- Provide financing to nearly 25,000 microfinance

borrowers and small scale farmers achieve their

dreams every year.

- Feel great about it.

The Easy Way to Give Today











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

Tel:  608.257.7230

Or, feel free to contact us through the form below: