bad.loans
Buy-sidePIF, Mubadala, ADIA-style direct programs

Sovereign Wealth Funds

Direct-investment desks: SAMA-regulated NPL flow structured for institutional review.

For sovereign wealth direct-investment desks and their dedicated credit subsidiaries. The platform's audit-grade reporting and SAMA-aligned compliance posture meet the governance standards of large-scale public capital allocators.

Governance-ready audit trail

Every bid, document access, and settlement step logged immutably - exportable for board, auditor, or regulator review on demand.

Sharia-compliant structures

Murabaha, Ijara, Musharaka, Mudaraba, and Sukuk-structured exposures explicitly tagged so allocation mandates are honored.

Tiered access controls

Multi-team workflows for desks, compliance, and asset management - each with scoped visibility and segregated audit.

Request institutional accessHow 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 armsFamily 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.