bad.loans
Buy-sideLiability-matching & yield-seeking allocations

Insurance Companies & Pension Funds

Yield-seeking distressed credit with the duration metadata you actually need.

For insurance companies, takaful operators, and pension funds running matched-liability or yield-enhancement strategies. The platform surfaces the duration, recovery-timeline, and cash-flow characteristics that ALM teams need to model fit, not just price.

Duration & recovery metadata

Every portfolio shows expected recovery timeline, NPV under multiple scenarios, and runoff curves - not just a headline price.

Sharia-compliant tagging

Takaful operators and Sharia-mandated funds see clearly which portfolios meet their governance criteria - no manual screening.

ALM-aware reporting

Settlement schedules and projected cash-flow profiles export in formats that drop into actuarial and ALM systems.

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.