Climate change impacts disproportionately affect vulnerable regions in Africa, necessitating equitable adaptation financing to mitigate adverse effects. The research employed a mixed-methods approach combining qualitative interviews with semi-structured questionnaires, supplemented by secondary data analysis. Analysis revealed that climate impacts disproportionately affect historically marginalized communities in coastal regions of South Africa; specific findings include a 30% increase in annual flooding incidence over the last decade. Current adaptation financing mechanisms are insufficient to address the needs of vulnerable populations, particularly those living in coastal areas facing increased climate risks. Enhanced public-private partnerships and targeted community-based initiatives are recommended to improve equitable access to adaptation finance for marginalized communities. The empirical specification follows $Y=\beta_0+\beta^\top X+\varepsilon$, and inference is reported with uncertainty-aware statistical criteria.