The Court of Appeal has ruled that Kenyan borrowers cannot use a foreign lender's lack of registration in Kenya as an automatic excuse for non-repayment of loans.

• The ruling overturned a High Court decision that had dismissed a case involving a foreign lender seeking to recover approximately Ksh29.88 million (USD 230,868.51).
• The Court of Appeal clarified that non-registration does not automatically invalidate debts or contracts for foreign companies.
• This decision serves as a reminder to Kenyan businesses and individuals entering cross-border financing arrangements that loan enforceability is not solely dependent on the lender's Kenyan registration.