This research paper argues on the role of gender relations and community level in affecting access to climate finance to facilitate sustainable food security in the Niger state, Nigeria. The research aims at ascertaining the inaccessibility of climate finance particularly in the smallholder farmers including women farmers to address the climate change and agricultural resilience. Mixed methods approach was used to collect data which entailed application of structured survey and semi-structured interviews with farmers, community-based organisations (CBOs) and the local government officials. According to the results, women are being deprived of access to climate finance because of gendered barriers such as access to land, culture and power to make decisions that they can institute climate-resilient agriculture. In addition, CBOs play a very vital role in the opening up to finance, however, in all regions, they do not work depending on local governance and trust by community. To conclude this paper, gender sensitive policies, institutional reinforcement and community-based programs are proposed to enhance the accessibility and effectiveness of climate finance so that the vulnerable population particularly the women would not be left behind in the fight to achieve climate-resilience and sustainable food security.