Money lenders
We support money lenders from business establishment and licensing through loan documentation, collateral management, debt recovery and regulatory compliance. Our target clients would include licensed money lenders, private lending businesses, microfinance institutions, and companies that provide credit as part of their operations, subject to the legal framework applicable to each category.
Our services include:
Business Registration & Licensing
Company formation, licensing applications, renewals and regulatory correspondence.
Loan Documentation & Security
- Loan agreements, guarantees, collateral documentation and security registration.
- Compliance reviews, lending procedures, borrower disclosures and record-keeping policies.
Debt Recovery & Enforcement
Demand notices, repayment negotiations, security enforcement and court proceedings.
Commercial & Employment Contracts
Supplier agreements, staff contracts, debt collection agreements and confidentiality documentation.
Ongoing Legal Advisory
Retainer-based legal support, contract reviews, compliance monitoring and dispute management.
SACCOs
We support SACCOs from registration to governance through lending operations, regulatory compliance, debt recovery and dispute resolution.
Services we can offer:
SACCO Formation & Registration
- Advise on the appropriate cooperative legal structure.
- Assist with registration and preparation of constitutional documents.
- Draft or review bylaws, membership rules and governance documents.
- Prepare inaugural meeting minutes and resolutions.
- Advise on additional licences or approvals applicable to the SACCO’s activities.
Corporate Governance & Secretarial Services
- Prepare board and general meeting notices, agendas, minutes and resolutions.
- Review bylaws and governance policies.
- Advise on directors’ and committee members’ duties.
- Maintain statutory records and membership registers.
- Support annual general meetings and governance reviews.
Loan Documentation & Credit Legal Support
- Draft loan application terms and loan agreements.
- Prepare guarantees, indemnities and security documents.
- Review loan terms, default provisions and repayment schedules.
- Advise on collateral, security registration and enforcement.
- Develop standard lending documentation and approval procedures.
Loan Recovery & Debt Enforcement
- Draft demand letters and repayment undertakings.
- Negotiate repayment plans and settlements.
- Advise on recovery against borrowers and guarantors.
- Support lawful enforcement of secured lending arrangements.
- Institute or defend recovery proceedings where appropriate.
Regulatory Compliance & Legal Audits
- Assess compliance with applicable cooperative and financial sector laws.
- Review registration, reporting and record-keeping obligations.
- Prepare compliance registers and regulatory calendars.
- Review lending, membership and governance procedures.
- Advise on regulatory inspections and corrective action plans.
Membership Disputes & Legal Representation
- Advise on member admission, suspension, withdrawal and expulsion.
- Handle disputes involving savings, shares, dividends and member rights.
- Advise on disputes between members, committees and management.
- Support mediation, arbitration and litigation where appropriate.
Additional SACCO Support
- SACCO licensing and renewals: Assist with UMRA licensing applications, renewals and regulatory correspondence.
- Member savings and consumer protection: Review member-facing terms, complaints procedures, disclosure practices and treatment of member information.
- Fraud and financial misconduct: Advise on suspected fraud, internal investigations, recovery options and referral to relevant authorities.
- Collateral and land transactions: Conduct legal due diligence, review land titles and prepare security documents for loans.
- Employment and HR compliance: Draft staff contracts, disciplinary procedures, confidentiality undertakings and HR policies.
- Restructuring and insolvency: Advise on financial distress, restructuring, recovery strategies and applicable receivership or liquidation processes.