Climate change poses significant challenges to small-scale fisheries communities, particularly affecting female fish processors in Sri Lanka. This study explores the informal financing mechanisms adopted by female fish processors to manage the impacts of climate-induced hazards on their livelihoods. The data was collected through surveys and focus group interviews with 60 female fish processors in Tangalle, Negombo, and Ambalangoda during the 2023–2024 period. The study provides insights into the challenges faced and the informal financial mechanisms employed to cope with disruptions caused by extreme weather events, such as heavy rainfall. The research identifies key informal financing practices, such as borrowing from friends and families and obtaining loans from local moneylenders during times of climate change impacts. These methods are employed to manage immediate financial needs, support day-to-day fish processing operations, and recover from losses due to climate impacts. However, among these, community-based savings groups (Settu /chit) and loans or savings facilities issued from community-based organizations are highlighted as the most effective methods due to their structured support and long-term stability. The findings revealed that while informal financing offers flexibility and immediate access to funds, it often comes with high interest rates and limited financial security. The reliance on informal sources also underscores the gaps in formal financial services for these women. The study highlights the critical role of informal financing in the resilience of small-scale female fish processors, yet it also points to the need for more sustainable solutions. Recommendations include enhancing access to formal financial services, improving financial literacy, and strengthening the community-based financial support systems. Integrating these informal mechanisms into broader climate adaptation strategies can improve the financial stability and resilience of female small-scale fish processing communities in Sri Lanka.