The impact of climate change is acutely experienced at the local level—where we work, go to school and live our lives. In the world’s most climate-vulnerable nations, adaptation is critical and, all too often, under-resourced. The United Nations Capital Development Fund designed the Local Climate Adaptive Living Facility (LoCAL) in 2011 as a way to channel finance to local government authorities and their communities to cover the additional costs of mitigating and adapting to the impacts of climate change—thereby averting or minimizing potential loss and damage. Today, LoCAL is a UNCDF managed country-owned mechanism for climate finance delivery that has realized adaptation solutions for more than 15 million people around the world. More than 30 countries across Africa, Asia, the Caribbean and the Pacific have engaged with LoCAL to deliver resilience-building solutions for climate-vulnerable populations. The LoCAL approach provides the basis for international standard ISO 14093:2022, which contributes to Sustainable Development Goals 1, 11 and 13.