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In the dynamic and highly regulated financial sector, legal precision is non-negotiable. At the intersection of money, risk, and regulation lies Banking and Finance Law a critical service area that ensures capital flows smoothly, compliantly, and securely.
Whether facilitating a large-scale project loan, reviewing a facility agreement, or advising on fintech regulations, our Banking & Finance practice supports lenders, borrowers, investors, and institutions in navigating today’s complex financial landscape.
What Is Banking & Finance Law?
Banking & Finance Law governs the operations of financial institutions and the legal framework within which they lend, borrow, invest, and transact. It spans:
- Credit facilities & loan structuring
- Securities and collateral creation
- Debt recovery and restructuring
- Central Bank compliance
- Banking litigation
- Project & infrastructure finance
- Fintech and digital banking regulation
Whether in traditional banking or the evolving fintech space, strong legal advice ensures both risk protection and commercial success.
Our Banking & Finance Services
We act for banks, microfinance institutions, SACCOs, fintech companies, developers, and investors. Our legal support includes:
1. Loan Structuring & Documentation
We draft and review complex loan agreements, letters of offer, debentures, charges, mortgages, guarantees, and related documentation ensuring enforceability and clarity for all parties.
2. Security Perfection & Collateral Management
We assist with perfecting securities through registration at the Lands Registry, Companies Registry, or Collateral Registry under the Movable Property Security Rights Act.
3. Syndicated & Cross-border Lending
For large or international deals, we guide multiple lenders through the structuring, compliance, and documentation of syndicated loans, escrow agreements, and intercreditor arrangements.
4. Regulatory Compliance
We advise on compliance with the Banking Act, Central Bank of Kenya (CBK) regulations, Anti-Money Laundering (AML) laws, and Know Your Customer (KYC) requirements.
5. Fintech & Digital Banking Advisory
As innovation transforms financial services, we support fintech firms with licensing, mobile money regulations, e-wallet structuring, and data protection compliance.
6. Debt Recovery & Enforcement
We represent lenders in enforcing loan agreements, foreclosing on security, insolvency proceedings, and auction processes—ensuring recovery is efficient and legally sound.
Why Legal Expertise in Banking & Finance Matters
- Risk Mitigation: Poorly structured finance deals or improperly registered securities can result in unenforceable rights and financial loss.
- Regulatory Compliance: Financial institutions face heavy penalties for non-compliance with CBK and AML requirements.
- Dispute Prevention: Well-drafted documents and timely legal advice reduce the likelihood of disputes between lenders, borrowers, or third parties.
- Cross-Border Confidence: International transactions demand a high level of legal scrutiny to comply with multiple jurisdictions and minimize exposure.
Our Commitment
With our deep understanding of Kenya’s legal and financial landscape, our Banking & Finance team combines technical expertise, commercial awareness, and regulatory insight. Whether you are structuring a complex transaction, entering a new market, or facing litigation, we deliver strategic, compliant, and commercially viable legal solutions.
Let’s Secure Your Financial Interests
From microfinance deals to multimillion-dollar infrastructure finance your transactions deserve nothing less than legal excellence. Trust us to protect your interests at every step.