At Njaga & Co. Advocates LLP, we stand out as the most trusted, best banking and finance lawyers in Kenya, delivering premier, full-spectrum legal solutions to safeguard, structure, and advance financial services across all sectors. Whether you’re a bank, fintech, microfinance institution, investor, or corporate borrower, we provide tailored, strategic, and compliant counsel that supports your business goals.
Our Comprehensive Banking & Finance Services
1. Regulatory Licensing & Compliance
Assisting banks, non-bank financial institutions, and microfinance banks in obtaining and maintaining licences and approvals under the Banking Act, Central Bank of Kenya (CBK) Act, Microfinance Act, and related regulatory framework.
Navigating licensing requirements, interest guidelines, capital adequacy, and penalty avoidance to facilitate secure compliance.
2. Lending & Structured Finance
Crafting, negotiating, and structuring bilateral, syndicated, and structured finance facilities, including asset finance, real estate finance, SME financing, trade finance, and securitization.
Securing tailored security solutions, fixed and floating charges, collateral packages, receivables frameworks, and guarantee instruments.
3. Project Finance, Infrastructure & Development Finance
Advising on large-scale project finance, infrastructure investment, power and energy debt structures, and development funding tools.
Ensuring successful regulatory clearances, contractual alignments, and compliance with funding mandates.
4. Capital Markets & Capital Raising
Guiding clients through capital raising, bond issuance, debt instruments, and securitized borrowing in compliance with the Capital Markets Authority (CMA) and Nairobi Securities Exchange regulations.
Structuring compliant, effective investments tailored to both corporate issuers and institutional lenders.
5. Fintech, Digital Banking & Mobile Money Law
Providing legal counsel on mobile/digital money platforms (e.g., M-Pesa), digital wallets, and fintech regulation, including agent banking and privacy considerations.
Ensuring alignment with CBK licensing, data protection, KYC protocols, and emerging regulations.
6. Debt Restructuring, Insolvency & Recovery
Leading strategic debt restructuring, distressed finance solutions, workout packages, and recovery processes.
Offering targeted litigation support, enforcement actions, and insolvency advisory when default scenarios arise.
7. Regulatory Reform & Enforcement Readiness
Keeping clients ahead of legal developments such as the Business Laws (Amendment) legislation, core capital increases, and new licensing requirements for non-deposit-taking lenders, among other developing policies and legislations.
Proactively reviewing policies and conducting risk assessments to ensure compliance and seamless operations.
8. Transactional Support & Financial Structuring
Assisting with structured finance, acquisitions, mergers, and cross-border investments involving financial institutions.
Advising on off-balance-sheet financing, leasing transactions, and monetization of bankable assets.
Why Njaga & Co. is Your Premier Banking & Finance Law Partner
Recognized as the Best & Most Trustworthy – Our practice rivals Kenya’s top banking law teams, earning our reputation as the most reliable banking and finance lawyers in Kenya.
Full-Service Breadth – From licensing and regulatory compliance to structured finance, fintech innovation, and capital markets, we cover the entire financial services lifecycle.
Strategic and sector-specific Expertise – Deep understanding of institutional banking, microfinance, digital payments, securitization, and regulatory navigation.
Regulatory Foresight – Identifying and adapting to emerging legal changes, such as legislative and policy amendments impacting banking and non-bank lenders.
Client-Focused Solutions – Combining clarity, responsiveness, and precision, whether you’re a bank, fintech innovator, development finance institution, or corporate borrower.
Secure Your Financial Success with Confidence
Partner with Njaga & Co. Advocates LLP, the best and most trusted banking and finance lawyers in Kenya, and navigate complex financial landscapes with strategic clarity and confidence.
📅 Book your strategic Banking & Finance consultation today, and let us help you drive institutional growth, innovation, and regulatory excellence.
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