bad.loans
For sellers- Banks, servicers, advisors

Offload NPL portfolios. Faster.

List a non-performing portfolio with standardized templates, NDA-gated data rooms, and structured auctions. Reach pre-vetted institutional buyers without sacrificing process discipline.

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.
Standardized loan-tape templates

Drop in a CSV; the system validates fields, normalizes formats, and surfaces gaps before you list.

Sealed, open, dutch, or hybrid auctions

Pick the mechanic that fits the portfolio. Sealed integrity until close, with full audit trail.

Institutional-only participation

Every buyer is manually vetted and admin-approved. NDA gates the data room before any tape access.

List a portfolioHow it works

Regulatory Notice: bad.loans is a marketplace for distressed debt and non-performing loan portfolios, facilitating listing, due diligence, and auction-based price discovery between institutional counterparties. The Platform does not process payments, hold client funds, or operate escrow; settlement is executed directly between counterparties through licensed banking institutions of their own choosing. bad.loans is not licensed by the Saudi Central Bank (SAMA); it is designed to align with the Anti-Money Laundering Law (Royal Decree No. M/31) and the Personal Data Protection Law (PDPL). Participation is restricted to institutional counterparties only.