Finance & Regulatory
Banking & Finance
Lending, security, banking regulation and COBAC compliance for lenders and borrowers alike.
We act for banks, microfinance institutions, borrowers and guarantors on financing transactions and on the regulatory framework administered by COBAC and the BEAC. Our work covers the full lifecycle of a credit, from term sheet to security registration to enforcement.
Security that is actually perfected
The OHADA Uniform Act on Securities sets strict formalities and registration deadlines. A pledge that is not registered in time ranks behind creditors who did the paperwork. We manage perfection as a project with dates, not as an afterthought at signing.
Regulatory reality
Prudential ratios, foreign exchange rules and the CEMAC exchange control regulation shape what a transaction can look like long before the lawyers reach the covenants. We flag those constraints in the first meeting.
How we help — in concrete terms
- Loan and facility agreements, syndicated and bilateral
- Security packages: mortgages, pledges, sureties and OHADA guarantees
- Registration and perfection of security at the RCCM
- Banking regulatory advice, licensing and COBAC compliance
- Anti-money-laundering and know-your-customer frameworks
- Debt restructuring, recovery and enforcement of security
- Microfinance and mobile money regulatory advice
Do you have a matter in this area?
Tell us what has happened and what outcome you need. You will get our view of your position, the realistic options with cost and timeline attached, and a recommendation.