You probably don't qualify. Entrepreneurs should only accept money from an accredited investor. If all you have is low tens of thousands, very high chance you're not accredited. Meaning no one should be taking money from you.
Yet, there are attempts to hack-around the traditional overhead. Though I know very little about it, I'm intrigued by 'ProFounder', a funding mechanism that seems to use revenue-shares rather than equity to get around some of the regulatory barriers that otherwise prevent crowdfunding by small investors. See:
The founding team with kiva.org alumni (and recognizable advisors and investors) suggest this isn't just some dreamy, naive, or fly-by-night undertaking.