At Otieno Aballah Advocates, we provide top-tier Banking and Finance legal services to banks, financial institutions, microfinance entities, fintech companies, and corporate borrowers across Kenya. With in-depth knowledge of the Kenyan financial regulatory framework and international best practices, we help clients structure, negotiate, and execute a wide range of financial transactions while ensuring full legal and regulatory compliance.

Whether you are arranging a complex financing deal, securing regulatory approvals, or managing risk in lending transactions, our banking and finance lawyers in Kenya are ready to provide the strategic legal support you need.

Our Banking & Finance Legal Services Include:

• • Loan Structuring & Documentation
    Drafting and reviewing loan agreements, facility letters, term sheets, security documents, and syndication agreements for both bilateral and syndicated loans.
  • Security Perfection & Enforcement
    Advising on the creation, registration, and enforcement of securities including charges, debentures, mortgages, guarantees, chattel mortgages, and lien arrangements, in compliance with Kenyan law and, in particular, the Land Registration Act, 2012, the Land Act, 2012and Movable Property Security Rights Act, 2017.
  • Banking Regulation & Compliance
    Regulatory advisory for local and foreign banks, SACCOs, and financial service providers on licensing, compliance with the Central Bank of Kenya(CBK) guidelines, prudential standards, and anti-money laundering (AML) laws.
  • Fintech & Digital Finance Advisory
    Legal support for fintech startups, digital lenders, and payment service providers on licensing under the National Payment System Act, data privacy compliance, mobile money, and emerging financial technologies.
  • Islamic Finance & Shariah-Compliant Transactions
    Structuring and reviewing Islamic finance products and contracts in accordance with Kenyan law and Shariah principles.
  • Debt Recovery & Insolvency
    Assisting banks and lenders in enforcing security, recovering debt through legal action, and advising on insolvency and restructuring processes under the Insolvency Act, 2015.
  • Project & Infrastructure Finance
    Advisory on financing large-scale infrastructure, energy, real estate, and public-private partnership(PPP) projects, including risk allocation and compliance with sector-specific regulations.
  • Cross-Border Lending & International Transactions
    Supporting international lenders and borrowers in cross-border transactions, foreign exchange compliance, and international financing arrangements involving Kenyan entities.
  • Capital Markets & Structured Finance
    Legal advice on issuing bonds, asset-backed securities, and other capital market instruments regulated by theCapital Markets Authority (CMA).