bad.loans
Buy-sideInstitutional family offices with credit mandates

Family Offices

Distressed-credit access without the BD relationship overhead.

For institutional family offices with dedicated credit, real-estate, or opportunistic mandates. Skip the relationship-driven sourcing - see live SAMA-regulated NPL flow, run diligence on your own timeline, and bid through a transparent process.

Independent-DD-friendly

Download anonymized loan tapes, run them through your own models, no platform-imposed pricing assumptions.

Right-sized auction tickets

Filter by ticket size to surface portfolios that fit your mandate. Multi-round auctions accommodate smaller commitments alongside large ones.

Discreet engagement

Bidder identity is masked from competitors throughout the auction. Your house is not on a leaderboard.

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 originatorsDistressed Credit & Special Situations FundsSpecialist NPL & special-situations vehiclesPrivate Equity FirmsPE firms with credit & special-situations armsSovereign Wealth FundsPIF, Mubadala, ADIA-style direct programs

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.