bad.loans
Buy-sideSpecialist NPL & special-situations vehicles

Distressed Credit & Special Situations Funds

Source pre-vetted KSA and GCC NPL deal flow.

For specialist NPL, distressed credit, and special-situations funds. Browse live institutional-grade portfolios with transparent pricing intelligence, run full DD without back-and-forth email, and submit indicative or binding bids through a structured auction process.

12-model pricing engine

DCF, Monte Carlo, IFRS 9 ECL, recovery curves, collateral analysis, sensitivity matrix - every portfolio carries an indicative bid range.

Three-phase auction flow

Phase 1 indicative bid, Phase 2 NDA-gated diligence with shortlist, Phase 3 binding bids. Sealed-bid integrity until close.

Encrypted seller messaging

AES-256-GCM encrypted in-app conversations and structured Q&A in the data room. No sensitive content over plain email.

Apply as a buyerHow the workflow runs

Also serving

Commercial BanksTier-1 SAMA-licensed institutionsGovernment & Development BanksREDF, SIDF, SRC, Social Development BankServicers & Recovery FirmsDisposing on behalf of originatorsPrivate Equity FirmsPE firms with credit & special-situations armsSovereign Wealth FundsPIF, Mubadala, ADIA-style direct programsFamily OfficesInstitutional family offices with credit mandates

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.