bad.loans
For buyers- Distressed credit funds, family offices, advisors

Source pre-vetted KSA and GCC NPL deal flow.

Browse live institutional-grade portfolios with transparent pricing intelligence. Run the full DD without spreadsheets and back-and-forth email.

Two browser windows from the bad.loans platform: the marketplace listing showing 14 portfolios across KSA, UAE, and the US, overlapping with the sensitivity analytics panel showing the DCF sensitivity matrix, recovery rate impact, timeline sensitivity, and collateral stress scenarios.
12-model pricing engine

Indicative bid range on every portfolio: DCF, Monte Carlo, IFRS 9 ECL, recovery curves, collateral analysis, sensitivity matrix.

Three-phase auction flow

Three phases: Phase 1 indicative, Phase 2 due diligence with shortlisted bidders, Phase 3 binding bids.

Encrypted seller messaging

AES-256-GCM encrypted in-app conversations and structured Q&A in the data room.

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Regulatory Notice: bad.loans is an intermediary marketplace for distressed debt and non-performing loan portfolios, facilitating listing, due diligence, auction-based price discovery, and payment settlement between institutional counterparties. The Platform processes transaction settlements through SAMA-licensed banking institutions. This Platform operates under Saudi Central Bank (SAMA) regulations including the Payment Service Providers Regulations, the Anti-Money Laundering Law (Royal Decree No. M/31), and the Personal Data Protection Law (PDPL). Participation is restricted to institutional counterparties only.