If I'm not mistaken, WINE is now capable of running 32-bit Windows binaries on 64-bit-only macOS as well, so that may also be an option particularly for more simple apps.
Even the 64-bit WINE can't run 32-bit apps on Catalina. Their website specifically says they support up to macOS-10.14. Apparently 64-bit WINE can run 64-bit Windos apps on Catalina, though.