Advisory. Verification. Support.
Independent Expert Analysis of Interest and Other Charges on all Borrowing Facility Types
30+
Years Combined Experience
500+
Facilities Analyzed
+254 722 722 802
Mon to Fri 8:00AM – 5:00PM
What we offer
Are you sure the amount your bank or lender says you owe is correct?
If you are 100% certain, you don’t need us. But if you want independent confirmation, AFA will verify
the numbers. Don’t just accept the balance. Have us Verify it. That’s what we do.
Debt Verification & Accurate Facility Analysis
Facilities are verified to ensure that interest and other charges have been applied according to the terms of the lending contract and the applicable banking laws. The specific areas of deviation and the causes are established.
Lender–Borrower Negotiation & Dispute Resolution
Armed with our findings, you negotiate using evidence – pursuing corrected balances, waived charges or a restructured repayment plan, without the costs and disruption of litigation
Expert Evidence & Litigation Support
When court is the only route left, we work alongside your advocate. Our reports form part of the evidence and we appear as Expert Witnesses when required.
Distress Response: Auction & Receivership Intervention
Facing auction or receivership? We move fast rapid facility analysis, identification of disputed amounts, and urgent support for negotiation or legal intervention, before it’s too late.
What our clients say
We initially approached AFA just to check our bank facilities. Their review uncovered discrepancies we hadn’t noticed and helped us understand our actual financial position.
Saheel Shah
M.D Adpack Industries
AFA gave us the figures and supporting details we needed to engage the bank. The negotiations became much more productive, and we achieved a better outcome.
Mburu Mungai
Chairman, Cretum Properties Ltd
AFA helped us identify and quantify the financial issues in the bank’s claims. Their report gave us the clarity and evidence we needed to pursue our case with our lawyers.
Daljit Dhanjal
Dhanjal Brothers Ltd
AFA took the complexity out of the bank’s figures, showed exactly where the issues were and gave us the evidence we needed to build our client’s case.
Stella Muraguri
MMW LLP Advocates – https://mmw.legal/
Our Process
Share Your Facility Details
Send us your bank statements and all contract documents. Confidentiality is guranteed
We Analyze Independently
Our team recalculates the interest and checks all other charges applied on your accounts.
Get a Clear Report
A plain-language breakdown of what you actually owe and where it diverges from the lender’s claim.
Decide the Next Move
Negotiate, restructure, litigate – backed by evidence. Not assumptions.
25+
Years in business
THE PROBLEM
Is the Balance Your Lender Quoted Actually Correct?
Most borrowers never ask. They assume the bank’s system is infallible. It isn’t. Errors creep in through:
Wrong interest rate applied, or interest miscalculated
Charges and fees applied incorrectly
Contract terms changed without proper notice
Payments misallocated — or missing entirely
Ambiguous facility terms interpreted in the lender’s favor
WHY AUDIT FOCUS ADVISORY?
We Don’t Assume the Lender Is Wrong. We Establish What’s Right.
Audit Focus Advisory is an independent advisory firm built for one purpose: to verify, objectively and evidence-based, whether the amount a lender claims is accurate.
We’re not a law firm and we’re not the bank. We sit in between — with the financial and analytical expertise to reconstruct your facility from the numbers up, and tell you exactly where it stands.
A clear, independently verified
Specific, documented points
99.9%
Customer satisfaction
Backed by Analysts Who’ve Seen It from Inside the Industry
No obligation consultation
Confidential
Response within 24 hours
WHO WE WORK WITH
Independent Verification for Anyone Facing a Lender’s Numbers
Banks and lenders make mistakes — in interest computation, charges, and repayment allocation. Audit Focus Advisory independently verifies your loan, mortgage, or facility balance so you know the real figure before you negotiate, pay, or get taken to auction.
Individual or Personal Borrowers
Facing a mortgage, personal loan, or asset finance balance that doesn’t add up? We give you an independent, evidence-based answer — before you pay, dispute, or restructure.
SMEs & Business Owners
Overdrafts, trade finance, and business term loans carry complex interest and fee structures. We verify your facility so cash flow decisions are based on the real numbers, not just the bank’s statement.
Advocates & Legal Teams
We work alongside your preferred advocate as independent financial analysts — reconstructing accounts, quantifying disputed amounts, and appearing as Expert Witnesses when a case goes to court.
