How it Works

After traveling throughout rural China and seeing the extreme poverty and lack of opportunity millions of Chinese face everyday, Courtney McColgan and I decided to dedicate our lives to creating opportunity for those living in poverty in rural China.

That's how Wokai was born. Starting with the idea that everyone deserves a chance, we built an online platform that allows you to have a direct impact on the lives of people living in rural China, their families, and their communities.

Utilizing the principle of microfinance, we connect you with people in rural China who want to start small businesses, but just need a little help getting there. You make a tax deductible contribution to sponsor that person's loan, watch as they grow their businesses, repay their loans, and lift themselves from poverty. At the end of the year, you re-invest your contribution and help another borrower start a businesses.

Since our founding in 2007, thousands of people from all over the world have joined our movement, supporting our borrowers in Sichuan and Inner Mongolia. Working closely with our Field Partners on the ground, we have achieved a 99.5% on-time repayment rate. The entrepreneurs we fund are not only lifting themselves from poverty, their success is changing their entire communities, reversing the cycle of poverty around them.