Thailand faces mounting economic risks from climate change—GDP could drop 11-14% in worst scenarios, labor productivity could fall 14%, and agriculture could lose 10,000-80,000 million baht annually. The transition to low-carbon economy is not optional but essential to reduce future damage. The Climate Finance Network reveals a critical imbalance: mitigation projects (renewable energy, transport) have attracted 2 trillion baht in investment, 67% from private sector seeking returns. Adaptation projects (water management, flood defenses) lag far behind at only 280 billion baht because they yield no direct revenue for business. The gap highlights a core challenge for SMEs and policymakers: how to mobilize private capital and blended finance for climate-resilient infrastructure that protects economic growth.