bad.loans
Sell-sideTier-1 SAMA-licensed institutions

Commercial Banks

Move provisioned NPL books off-balance-sheet cleanly.

For SAMA-licensed commercial banks holding provisioned NPL exposures across mortgage, SME, corporate, and retail books. List standardized portfolios, run sealed or multi-round auctions, and reach pre-vetted institutional buyers without the spreadsheet-and-email fragmentation that drags out conventional sales.

Portfolio templating across asset classes

Loan-tape templates for mortgage, SME, corporate, and unsecured retail - validated, normalized, and audit-trailed before listing.

Three-phase auction discipline

Indicative bidding, NDA-gated diligence with shortlisted bidders, then binding bids. Sealed integrity until close, full execution log.

Institutional buyer pool

Every bidder is manually vetted, admin-approved, and gated by NDA before any tape access. No tyre-kickers in the data room.

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.