Loan Agreement Review & Drafting in Kenya
Ensure your lending arrangements are clear, compliant, and enforceable
Our Expertise
Borrower Protection
We review loan agreements to identify unfavourable terms, hidden fees, excessive default provisions, and security requirements that go beyond what is reasonable.
Lender Security
We draft watertight security documents that are properly registered and enforceable, protecting the lender's position in the event of default.
Regulatory Compliance
We ensure all lending documentation complies with the Banking Act, CBK guidelines, and the in duplum rule that caps recoverable interest.
Clear Default & Remedy Provisions
We draft clear events of default, cure periods, and enforcement mechanisms that reduce ambiguity and litigation risk.
Syndicated Lending
For large facilities, we advise on inter-creditor arrangements, syndicate agreements, and security sharing mechanisms.
Loan Agreement Review & Drafting in Kenya
Loan agreements are the backbone of Kenya's lending market, governing billions of shillings in credit extended by banks, SACCOs, microfinance institutions, and private lenders. Whether you are a borrower reviewing a facility offer or a lender structuring a credit facility, the terms of the loan agreement determine your rights, obligations, and remedies.
LHK Advocates drafts and reviews loan agreements, facility letters, security documents (including charges over land, debentures, share pledges, and guarantees), and all associated lending documentation. We ensure compliance with the Banking Act, the Central Bank of Kenya Prudential Guidelines, and the interest rate provisions under Kenyan law.
Our lending practice serves both institutional and individual clients. For banks and financial institutions, we prepare standard facility documentation and advise on regulatory compliance. For borrowers, we review loan offers, negotiate terms, and ensure that security arrangements are proportionate and clearly documented.
Frequently Asked Questions
Discover How We Can Help With Loan Agreement Review & Drafting in Kenya
Schedule a consultation with our experienced legal team and discover how we can help you achieve the best outcome.