We act for lenders and borrowers on secured and unsecured lending. Security in Kenya is only as good as its registration, so a substantial part of this work is getting the perfection steps right — and getting them right in the correct order.
Security in Kenya is only as good as its registration, and the order matters — a charge registered late, or against the wrong asset, can leave a lender exposed at exactly the moment security is needed. We handle the full lending process with that discipline, from facility documentation through to enforcement if it’s ever required.
Facility documentation, security creation and perfection, and enforcement.
What We Do
Our work in banking and finance typically covers:
- Facility and loan agreements — Structuring the commercial terms of secured and unsecured lending.
- Debentures, charges and legal mortgages — Drafting and perfecting security over company assets and property.
- Guarantees, indemnities and letters of comfort — Documenting third-party support for a facility.
- Security perfection and registration — Registering security correctly and on time, so it holds up when needed.
- Intercreditor and subordination arrangements — Structuring priority between multiple lenders to the same borrower.
- Asset and equipment finance — Financing structures for vehicles, machinery and other specific assets.
- Refinancing and debt restructuring — Renegotiating terms or restructuring debt that's under strain.
- Enforcement of security and receivership — Advising lenders on enforcement when a facility goes into default.
Our Approach
- 1. Initial consultation — We discuss your matter, understand what you need, and tell you plainly where you stand.
- 2. Scope and fee agreement — We agree the scope of work and the fee basis in writing before work begins.
- 3. The work — We handle the matter directly, keeping you informed at each material step.
- 4. Completion and follow-up — We confirm the matter is complete and remain available for anything that follows from it.
Who We Act For
We act for lenders and borrowers, at every stage of the lending relationship:
- Commercial banks and non-bank lenders
- Borrowers raising new facilities
- Businesses restructuring existing debt
- Lenders enforcing security
Ready to discuss a lending or security matter?
Get in touch and we will tell you plainly where you stand and what the process involves.
