The Inflation Reduction Act promised a clean energy revolution, but a year and a half later, the money still isn't flowing. Meanwhile, micro-focused community finance organizations are booming, but do they have the muscle to make a real dent in global warming? This brief argues that it's time to rethink the IRA's strategy. We need to supercharge climate action by tapping the vast resources of existing financial infrastructure. If you're wondering why shovels aren't in the ground yet or how to actually achieve the goals of the IRA, this brief is for you.