Introduction Our Model Our Team Our Partners Our Guarantors MCE Social Capital Stichting Careers
Introduction Overview Financial Service Providers Small and Growing Businesses Meet Our Portfolio Companies Investment Criteria
Introduction Become a Guarantor Become an Investor Join the Legacy Circle Donate Contact Us
Introduction Our Strategic Lenses By the Numbers U.N. Sustainable Development Goals Stories from the Field Impact Reports
Introduction Financials Legal Documents Impact Reports News and Publications
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Become a Guarantor

 

Our growing community of impact investors, foundations and philanthropists recognize the talent and entrepreneurial passion that exist in emerging markets and are committed to supporting people as they build sustainable ways to thrive for themselves and their communities. Thanks to the collective power of their guarantees, we can unlock economic opportunities for underserved communities in some of the most challenging areas of the world where other investors often won’t go.

Becoming a Guarantor is a straightforward process that does not require any segregation or transfer of assets. Guarantees can be used in parallel with nearly every type of investment—your money stays where it is currently invested, the only difference is that it now has an additional layer of impact made possible by MCE’s community of Guarantors and our rigorous due diligence process.

As an MCE Guarantor, you can choose to support our financial service provider (FSP) portfolio, our small and growing business (SGB) portfolio, or both, depending on your philanthropic objectives. While the process and experience are similar for every Guarantor, the type of impact and financial commitment tied to their guarantee depends on the portfolio you choose to support.

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Financial Service Provider (FSP) Portfolio

  • Unit size: $1,000,000

  • Social return: Your signature enables MCE to borrow and disburse $500,000.

  • Sectors: Microfinance, financial inclusion

  • Losses:

    • Shared pro rata among relevant Guarantors

    • Payments considered a U.S. charitable contribution

    • Average annual call per unit for five years ending in 2021 = $5,309

  • Community: As of December 31, 2021, 127 units representing $127 million in capital guaranteed by more than 200 FSP Guarantors

Small and Growing Business Portfolio

  • Unit size: $500,000

  • Social return: Your signature enables MCE to borrow and disburse $250,000.

  • Sectors: Agriculture value chain, renewable energy, water and sanitation

  • Losses:

    • Shared pro rata among relevant Guarantors

    • Payments considered a U.S. charitable contribution

    • Cumulative call per unit since launch of SGB portfolio in 2017 = $24,238

  • Community: As of December 31, 2021, 49 units representing $24.5 million in capital guaranteed by more than 30 SGB Guarantors

Any Guarantor may exit the program with 18 months advance written notice, which is required so that MCE can secure a replacement Guarantor or make adjustments in the FSP and SGB portfolios.

For more information about the process of becoming a Guarantor, please refer to the following documents:

You can access the full legal agreements here:

 
 

“There are passionate and talented entrepreneurs all over the world, and many are outside established investment networks. MCE Social Capital’s Guarantor model enables me to use my assets to fuel these entrepreneurs’ efforts in emerging markets in Latin America, Asia and Africa, where they are making an enormous positive impact. And I can do this without moving or reshaping a penny of my portfolio! It’s a win-win!”

— Karen Keating Ansara, Founder/Chair NEID Global, MCE Board Member, and MCE Guarantor since 2010

 

Become an Investor

Our Global Economic Opportunity Notes are a low-risk, fixed income product that offers accredited investors an opportunity to fund MCE’s lending to financial service providers (FSPs) and small and growing businesses (SGBs) in emerging markets. Our community of mission-related, accredited investors provides invaluable support that strengthens our financial sustainability by lowering our cost of capital.

MCE has maintained 100% principal repayment with interest to all lenders and investors since inception in 2006.

Notes Summary

  • Minimum investment:

    • $100,000

    • $50,000 increments

  • Financial return - Fixed rate:

    • 3-year tenor with interest rate range of 0-3.0%

    • 5-year tenor with interest rate range of 0-3.5%

  • Security:

    • Unsecured

    • The FSP and SGB portfolios are backed by loan guarantees equivalent to at least twice the outstanding portfolio at any given time.

  • Impact sectors:

    • Microfinance, financial inclusion, agriculture value chain, renewable energy, water and sanitation

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For more information about the process of becoming an Investor, please refer to the following documents:

 

“My position as an MCE Guarantor and note holder is the cornerstone of my impact activities. The MCE model efficiently and effectively catalyzes investment by relatively low risk tolerant lenders into enterprises that operate in some of the toughest spots on the globe. These investments, be they into financial service providers or small and growing businesses, both directly and via a powerful multiplier effect, provide both business infrastructure and good livelihoods for those that live in these places. I could not be happier with my investment.”

— Scott Satterwhite, Former Managing Director, Artisan Partners, and MCE Guarantor and Investor since 2017

 

 Join MCE’s Legacy Circle

The MCE Legacy Circle is a community of donors inspired by the commitment and generosity of our former CEO Gary Ford and his wife Nancy Ebb, with a goal to provide crucial support to MCE as we scale our portfolio to $100M by the end of 2024. This will boost MCE’s ability to provide capital to enterprises generating sustainable livelihoods in emerging markets, changing millions of lives in the process, and allowing us to reach 50% more households in the developing world. Every $10k contributed will enable us to get $480,000 into the hands of micro-entrepreneurs and smallholder farmers, two-thirds of whom are women. 

Build a legacy of impact

There are two different ways to join the MCE Legacy Circle:

  1. By making a meaningful donation to MCE, with funds designated toward creating a legacy of impact. You can find donation instructions here.

  2. By including MCE in your estate planning by naming MCE as a beneficiary in your will, trust, insurance policy, qualifying annuity or retirement plan. To discuss planned giving options, please contact Christina Lukeman at (415) 230-4330 x 109 or clukeman@mcesocap.org.

Tools to prepare a bequest

  • Notification: Notification of Intent to Include MCE in Will

  • Official Name: MCE Social Capital

  • Federal Tax ID: 20-3154063

  • Address: MCE Social Capital, 5758 Geary Blvd. #261, San Francisco, CA 94121

  • We encourage donors to seek professional estate planning and financial advice.

MCE Legacy Circle Members

  • Gary Ford & Nancy Ebb (Founding Members)

  • William (Bill) Bernstein

  • Dan Brunner

  • Ed & Amy Brakeman

  • Jon Breyfogle

  • Neal & Florence Cohen

  • Alan & Teri Hoops

  • Marke & Kate Lofgren

  • Louis Mazawey

  • Scott Satterwhite

  • Susan Sharin & Laurina Young

  • David Sonnenberg

  • John Swift

Contact Us

For more information about how to become an MCE Guarantor, investor, or donor, please contact:

Catherine Covington
Managing Director and Chief Business Development Officer
ccovington@mcesocap.org | (415) 230-4330 x111

Interested in working for MCE?

Keep an eye on our careers page for opportunities as we continue to grow our organization and impact.

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Our Impact

Our Portfolio

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