Register Particulars of Charge with CAC – Stay Fully Compliant

When a company uses its assets—movable or immovable—as security for a loan or financial obligation, the transaction must be registered with the Corporate Affairs Commission (CAC). This process is known as Registering the Particulars of Charge.

It is a legal requirement under the Companies and Allied Matters Act (CAMA), and failure to register a charge can make the security invalid against lenders, investors, and third parties.

We provide complete support to ensure your charge is properly documented, filed, and approved on the CAC portal.

What Is a Charge?

A charge is any form of security interest or collateral provided by a company for the purpose of borrowing or guaranteeing an obligation.

Examples include:

• Mortgage on land or buildings

• Debentures

• Floating or fixed charges

• Charges over company assets (equipment, inventory, vehicles, etc.)

• Charges over intellectual property

• Loan agreements secured by company property

If a company grants security to a lender or creditor, the law requires that the details be registered with CAC within 90 days of the creation of the charge.

Why Registering a Charge Is Important

Registering your charge with CAC:

• Establishes legal priority of the lender

• Protects the creditor’s interest against competing claims

• Protects the company from disputes over ownership or encumbrances

• Ensures transparency for investors, partners, and regulators

• Prevents the charge from being deemed void under CAMA

• Enables smooth loan disbursement and financial transactions

Unregistered charges may be unenforceable in court.

Our CAC Charge Registration Services

We handle the entire process professionally, from document preparation to CAC approval.

1. Review of Loan & Security Documentation

We examine:

• Loan agreement

• Deed of charge or mortgage

• Security documents

• Asset schedules

This ensures your documents meet CAC requirements.

2. Preparation of CAC Forms & Resolutions

We prepare:

• Particulars of Charge form

• Board Resolution authorising the charge

• Stamp Duty assessment (where applicable)

• Affidavits (if required)

All documents are prepared in CAC-compliant format for fast approval.

3. CAC Portal Filing & Upload

We handle:

• Uploading the charge details

• Inputting lender/borrower information

• Upload of signed agreements

• Payment of CAC filing fees

• Responding to CAC queries

• Monitoring process until approval

4. Delivery of Approval & Updated Company Records

Once approved, you receive:

• CAC Certificate of Registration of Charge

• Updated Status Report showing the registered charge

• Official acknowledgment of filing

These documents are vital for lenders and future corporate filings.

Documents Required for Registering a Charge

To register a charge with CAC, the following documents may be required:

General Requirements

• RC Number

• Company’s login email (if available)

• Completed Particulars of Charge form

• Board Resolution authorising the charge

• Loan agreement

• Deed of Mortgage / Debenture / Charge

• Asset description (land, vehicles, equipment, etc.)

• Lender (bank or creditor) details

• Stamp Duty payment evidence

• Means of ID for signatories (if requested)

For Mortgage or Property-Related Charges

• Title documents or property description

• Deed of Legal or Equitable Mortgage

• Survey details (if applicable)

For Floating Charges

• Asset schedule

• Debenture trust deed (if applicable)

How Long Does Registration Take?

Typical CAC processing time is 24–72 hours, depending on document accuracy and queue volume.

We ensure fast and error-free processing.

Why Choose Our Service?

✓ CAC Procedure Experts

We understand the compliance requirements and handle all complexities for you.

✓ Fast Turnaround Time

Your application is prepared and filed without avoidable delays.

✓ Legally Accurate Documentation

All resolutions and charge forms are professionally prepared.

✓ End-to-End Handling

You submit your documents—we complete the entire CAC registration process.

✓ Secure & Confidential

Your loan and security information is handled securely and discreetly.

Who Needs This Service?

This service is essential for:

• Companies taking bank loans

• Businesses pledging assets as collateral

• Firms issuing debentures to investors

• Companies formalising internal or external financing

• Lenders requiring CAC-registered security to protect their interest

Get Started Today

If your company has created a charge or is about to secure a loan, registering the Particulars of Charge with the CAC is mandatory.

We help you file correctly, stay compliant, and protect your financial and legal interests.

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