Secured Lending
Real estate-secured lending — from origination and security to enforcement and recovery.
Security that holds up when it matters.
We advise banks, credit funds, and borrowers on real estate secured lending — from single-asset facilities to portfolio-backed and cross-border structures.
Our practice combines finance capability with land, tax, and enforcement insight to deliver security packages that perform.
- Investment and development finance
- Portfolio-level facilities
- Cross-border security packages
- Enforcement and recovery
How we approach this practice.
We structure limited-recourse and balance-sheet financing for large-scale developments, drafting intricate security packages designed to withstand enforcement challenges and secure priority for lenders.
We also assist borrowers in proactively managing their balance sheets through amendments, extensions, and refinancing transactions that avoid formal insolvency processes.
Every stage of secured lending.
Investment, development, and bridge facilities calibrated to the underlying asset.
Mortgages, charges, assignments, and share security across the collateral stack.
Coordination of security taken across multiple jurisdictions and asset classes.
Discipline in security perfection across Kenyan land, chattels, and companies registries.
Statutory power of sale, receivership, and possession — with dispute-hardened execution.
Consensual restructurings, amend-and-extend, and workout arrangements.
A disciplined path from concept to close.
- 01Commercial Alignment
We start with the commercial map — economics, control, contributions, and outcome — before drafting a single clause.
- 02Structural Blueprint
A structuring memo sets out the vehicle, jurisdiction, tax treatment, and regulatory path, benchmarked against comparable matters.
- 03Documentation
Bespoke documentation drafted as an integrated instrument set — designed to survive later scrutiny.
- 04Approvals & Closing
Regulator engagement, condition-precedent management, and a disciplined closing choreography.
- 05Stewardship
Ongoing counsel through the life of the matter — governance, calendaring, and dispute-prevention.
Selected secured lending mandates.
A partial view of the mandates we have advised on — sanitised for confidentiality, but indicative of the scale and complexity of our work.
- 01
Advised a lender syndicate on a KES 10bn portfolio facility secured across commercial assets.
- 02
Represented a bank on the enforcement of security over a landmark real estate asset.
- 03
Counsel to a borrower on the refinancing of a development-phase asset to investment-phase debt.
- 04
Acted for a credit fund on a cross-border secured lending arrangement.
Partners leading the practice.
Where this work connects.
Considering a matter? Speak with the partner who will run it.
A confidential, no-obligation conversation with a partner — usually within one business day.