This policy brief spells out that ensuring that climate finance effectively works for low-income African countries especially those within the Sub-Saharan region. Vulnerable communities can be challenging, especially with the requirements and scope of the financial mechanisms in place. Creative and innovative ways to provide access to finance for small projects are essential in order to create resilience and reduce emissions. While investment in the agriculture and industrial sectors may be of high-risk, it is necessary to find additional sources of public and private sector capital, and make it accessible to those who need it the most.