This study investigates the adoption of Green Construction Finance (GCF) and its determinants within Kenya’s construction industry. Utilizing a quantitative approach, data were collected from 55 registered property developers and analyzed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings reveal a nascent GCF landscape characterized by a stark paradox: while 98% of developers express a conceptual willingness to adopt green practices, actual uptake is restricted to a mere 1.03%. The structural model indicates that the eight theorized determinants, awareness, accessibility, institutional, financial, environmental, technical, risk, and socio-cultural factors, collectively explain only 5.95% (R²=0.0595) of the variance in adoption. Critically, the analysis identifies a "barrier bundle" effect, where a lack of discriminant validity and high multicollinearity among constructs suggest that stakeholders perceive regulatory, financial, and risk-related hurdles as a single monolithic obstacle. Notably, environmental factors exhibit a negative path coefficient (-0.6313), implying they are currently viewed as cost burdens rather than value drivers. The study concludes that piecemeal interventions are insufficient; a holistic, systemic strategy is required to de-risk the sector and move beyond the current state of statistical fragility toward meaningful, sustainable construction uptake.