Strategic financial transactions and regulatory frameworks
Navigating the complex regulatory requirements of the Central Bank of Nigeria (CBN) and structuring multi-million dollar corporate debt facilities requires sophisticated legal architecture. Medina Law Associates & Co. provides market-leading advisory services to banks, corporate borrowers, asset managers, and emerging fintech developers.
We advise on project financing, asset-backed lending, loan syndications, debt restructuring, and regulatory compliance. Our specialist fintech practice helps digital payments startups, online microfinance firms, and crowdfunding operators secure licensing and build compliant transactional programs.
Structured Finance & Lending
We act for lenders and corporate borrowers in structuring bilateral and syndicated facilities, drafting security trust deeds, debenture agreements, and coordinating registration files at the CAC.
Fintech & Payments Regulations
We guide digital banks, payment gateways, and remittance startups through licensing applications, data protection compliance, and payment service guidelines issued by the CBN.
Our Core Capabilities
- Project and asset-backed corporate finance structuring.
- Syndicated loan coordination and drafting security documentation.
- Regulatory advisory and licensing applications before the CBN and SEC.
- Capital importation filings and eCCI regulatory support.
- Corporate debt restructuring, workouts, and refinancing agreements.
Frequently Asked Questions
In a syndicated loan, the syndicate agent acts as the main liaison between the borrowing corporation and the lending banks. The agent manages loan disbursement, coordinates interest and principal payments, handles security documentation, and enforces covenant terms.
Under CBN rules, foreign investors must import capital through an authorized dealer (bank) to obtain an electronic Certificate of Capital Importation (eCCI). The eCCI is required to repatriate profits, dividends, or capital out of Nigeria.
Fintech license requirements depend on the business model. Payment Service Providers (PSPs) and Mobile Money Operators (MMOs) require licenses from the Central Bank of Nigeria (CBN). Digital lending startups generally require state moneylender licenses or SEC crowdfunding approvals.
We assist corporate borrowers and financial institutions by negotiating loan extensions, drafting debt rescheduling agreements, refactoring collateral structures, and advising on insolvency provisions.
