["Corporate Social Responsibility and Environmental Management, Volume 33, Issue 2, Page 2018-2035, March 2026. ", "\nABSTRACT\nAlthough SMEs play a significant role in economic development, their contribution to the SDGs remains limited. This raises concerns about the extent to which they have embedded the SDGs within their organizational culture. Despite their importance, there is a scarcity of research exploring how SMEs can advance sustainable finance to support green innovation amid resource constraints. This study explores the role of sustainable finance, bricolage, and digital competence in the relationship between organizational green culture and green innovation. Data from 411 Ghanaian SMEs were analyzed using SEM. Green culture has a significant positive effect on green innovation, whereas sustainable finance partially mediates this relationship. Bricolage positively moderates the relationship between green culture and sustainable finance, while digital competence moderates the relationship between sustainable finance and green innovation. The findings underscore the importance for SMEs to embed SDGs into their organizational values and strategically manage limited resources to foster sustainable innovation.\n"]