Real Estate & Projects · Practice

Secured Lending

Real estate-secured lending — from origination and security to enforcement and recovery.

Overview

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
Firm Perspective

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.

Capabilities

Every stage of secured lending.

Every mandate draws on the same integrated bench — corporate, regulatory, tax, and disputes — sequenced by a single partner.
Facility Structuring

Investment, development, and bridge facilities calibrated to the underlying asset.

Security Design

Mortgages, charges, assignments, and share security across the collateral stack.

Cross-Border Security

Coordination of security taken across multiple jurisdictions and asset classes.

Registration & Perfection

Discipline in security perfection across Kenyan land, chattels, and companies registries.

Enforcement

Statutory power of sale, receivership, and possession — with dispute-hardened execution.

Restructuring

Consensual restructurings, amend-and-extend, and workout arrangements.

How We Work

A disciplined path from concept to close.

  1. 01
    Commercial Alignment

    We start with the commercial map — economics, control, contributions, and outcome — before drafting a single clause.

  2. 02
    Structural Blueprint

    A structuring memo sets out the vehicle, jurisdiction, tax treatment, and regulatory path, benchmarked against comparable matters.

  3. 03
    Documentation

    Bespoke documentation drafted as an integrated instrument set — designed to survive later scrutiny.

  4. 04
    Approvals & Closing

    Regulator engagement, condition-precedent management, and a disciplined closing choreography.

  5. 05
    Stewardship

    Ongoing counsel through the life of the matter — governance, calendaring, and dispute-prevention.

Key Contacts

Partners leading the practice.

Hudheifa Aden
Hudheifa Aden
Managing Partner
Jacktone Nengo
Jacktone Nengo
Partner
Related Practice Areas

Where this work connects.

Insight
Enforcing real estate security in Kenya — process, pitfalls, and playbook.
Read the briefing
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Contact the Firm to discuss your transaction, project, dispute or regulatory matter.