Banking & Finance

Our law firm acts in relation to all banking & finance legal matters, including acquisition finance for corporate transactions, asset-based lending, and real estate finance.

Our advice is primarily for entrepreneurs, high net worth individuals, and owner-managed businesses, whether operating through Special Purpose Vehicles (onshore or offshore), joint ventures, partnerships, or fund structures. Whilst we often act for borrowers, we are also able to act for lenders in the Kenyan market, and in particular for regulated banks and financial institutions.

We can help you to structure and negotiate effective lending arrangements and we offer a service that is tailored to suit your needs and the way you operate.

We advise on investment and development facilities, tax-driven schemes and limited partnership structures, restructurings, and refinances.

We also advise borrowers in connection with distressed debt and the analysis of options to move their business forward.

Find out more about what Banking & Finance legal services can be offered to you or your business, by contacting our law practice on +254 20 2100 999 or email us at [email protected].

Banking & Finance


We understand that the arrangements you are putting in place with regard to banking, finance, and security will be inextricably linked to the completion of your corporate or real estate transaction.

We will guide you through what can be highly technical documentation, without losing sight of your commercial objectives.

Our Banking & Finance lawyers will work with you to identify problems, opportunities, and risks in advance. And then we’ll give you commercial guidance that extends beyond just a narrow legal view.

We also offer insight that focuses on:

  • What’s happening in other industries that will impact a bank’s ability to lend
  • The risks that are emerging relating to non-payment
  • New legislation.

We are first and foremost mindful of your banking and finance business, needs, and goals, and will work with you to examine various strategies to get the best results, successfully and efficiently. You can count on us today, let us take it from here.

Our lawyers pride themselves on providing advice on time and on budget.

Collaborative Approach


At Clay & Associates Advocates, we work closely with our Real Estate lawyers on the financing of real estate transactions whether in relation to development or investment facilities.

Our law firm’s priority is to put together a team of business advisers to allow consideration of all applicable financing options, to incorporate your preferred commercial terms, and to complete all relevant documentation within the planned timescale.

We are able to work for both financial institutions and borrowers across a range of complex banking and finance transactions. This expertise allows us to foresee and identify potential risks and issues early on, and recommend solutions to keep your deal on track.

Contact Us Today.

Rattansi Educational Trust Building,
3rd Floor, Suite E12,
Koinange Street,
Nairobi, Kenya.
Mon - Fri: 8am – 5pm

Frequently Asked Questions

What Banking & Finance legal Services does the law firm offer clients in Kenya?

Our banking & finance lawyers will work and advise you and your business on the following areas:

  • Acquisition financing
  • Middle market loans, asset-based lending, and syndications
  • Commercial real estate and development financing
  • Aircraft finance and equipment leasing
  • Bilateral/multilateral development financing (both debt and equity) for both domestic and international projects
  • Real estate development and construction financing
  • Cross-border real estate financing transactions including hotel and resort development
  • Project finance sponsors and investors
  • Liquidity and cash management arrangements
  • Cross-border-based financings including with Europe and the U.K.
  • Debtor-in-possession financing, restructurings, insolvencies, receiverships, liquidations, and other debt reorganization arrangements
  • ESOP loans
  • High yield market transactions and international trade finance
  • Letters of credit arrangements
  • Subordinated debt and mezzanine financing
  • Tax-exempt financing
  • Telecommunications finance
  • Growth equity financing
  • Working capital financing
  • Export credit guaranteed financing
As a lender, do I need legal advice for financing in Kenya?

Our banking and finance lawyers can help you lend, manage or recover your money. We work quickly, efficiently, and at a competitive cost in areas such as:

Asset-based lending
We can help you unlock the value in unpaid trade receivables and other fixed and current assets.  We will give lenders we work with the documentation they need to help customers access flexible working capital and grow their businesses.

Real estate finance
Our lawyers advise borrowers and lenders on how to balance legal and commercial risk in lending transactions where the primary security is real estate.

Acquisition finance
Our law firm is able to act for Kenyan lenders, borrowers, and sponsors in relation to a wide range of leveraged and acquisition finance transactions.  We can help you achieve the funding structures you need.

Supply chain finance
Pioneering lenders and borrowers trust us to help them develop this area of lending.  Some of the largest global supplier finance providers use template documents that we’ve drafted.

What services are available for businesses disputes with banks and financial institutions?

In addition to being able to represent banks in their lending and underwriting activities and regulatory compliance in Kenya, our lawyers have extensive expertise in advising banking and financial service providers as well as their clients in connection with the full spectrum of their legal needs.

Our legal services cover day-to-day operations, digital transformation, securities offerings and other corporate transactions, intellectual property issues, and dispute resolution.

INSIGHTS & UPDATESSearch Banking & Finance Insights & Updates

Rattansi Educational Trust Building, 3rd Floor, Suite E12, Koinange Street, Nairobi, Kenya.

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Clay & Associates Advocates is registered as a law firm under the Laws of Kenya and regulated by the Law Society of Kenya.

Our professional indemnity cover is underwritten by Britam General Insurance. We may record calls.

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