Once your club is stable, sponsor signed, stadium generating ticket income, squad training, you are ready to think about finances strategically rather than just reactively. This guide covers the balance sheet in depth, investments and loans, and how to build a long-term financial plan.
Go to Club → Balance to see your financial position. Three views matter:
Account Balance → your current cash, and the estimated balance at the start of next week (includes only fixed income and expenses).
Balance Sheet → itemised breakdown of every income and expense category for the current week.
Liquidity Development → a chart of earnings, expenses, and cash balance across the last 10 weeks.
The balance sheet categories to monitor most closely:
Category | What to Watch For |
Sponsor Payments | Base + points bonus. If points bonus is a large share, a losing streak hurts badly. |
Player Salaries | Highest single expense for most clubs. Should be offset by ticket + gastronomy + sponsor. |
Stadium | Upkeep costs. Growing rapidly if you are building aggressively. |
Transfers | Net position (sales minus purchases). Negative = net investment in squad. |
Overdraft Interest | Any value here means your balance went negative — fix immediately. |
Miscellaneous | End-of-season bonuses appear here. Can be a major positive. |
The Bank (Club → Bank) lets you invest spare cash at fixed interest rates. Up to 4 simultaneous investments, maximum €15,000,000 total, minimum €10,000 each.
Investment Duration | Interest Rate (without Financial Advisor) | With Financial Advisor |
6 weeks | 4% | Higher (advisor raises rates) |
12 weeks | 9% | Higher |
18 weeks | 14% | Higher |
Interest is paid in full at the end of the term, nothing during the investment period. Cancelling early forfeits all interest and incurs a 1% penalty on the principal.
The bank lends up to €10,000,000. Your credit limit is calculated from club age, stadium/complex value, and squad value. Key terms:
2% upfront fee on the borrowed amount paid immediately.
Interest starts at a base rate (reduced by Financial Advisor) and increases by 0.1% per week.
Maximum interest rate: 5% per week.
Interest is charged every Monday on the outstanding balance.
The loan principal does not reduce from interest payments — you must manually repay it.
When does a loan make sense? Only in specific situations with a clear repayment plan:
Stadium expansion where the added ticket capacity generates enough new weekly revenue to cover interest plus repayment.
Bridging a gap before a planned player sale: borrow briefly, sell the player, repay the loan.
Never: speculative squad building without a concrete income plan.
Build your income sources in this order, each layer funds the next:
Sponsor base payment: your weekly floor. Renegotiate upward whenever possible.
Ticket income: grows with stadium capacity and attendance (boosted by reputation and team spirit).
Gastronomy: consistent per-match income once built up.
Merchandising: slower to start but becomes meaningful income by mid-game.
Player sales — the largest single income events, but irregular. Never budget for specific sales before they happen.
End-of-season bonuses: championship, promotion, youth championship, top scorer. Factor these into your annual budget but do not rely on them.
Career progression milestones inject up to €100,000,000 total in direct cash before level 50. These are the single biggest injections of capital in the early-to-mid game. Plan major investments (stadium expansion, squad overhaul) to coincide with upcoming career-level bonuses rather than borrowing to fund them.
The Fan Shop and Factory (Club → Stadium Complex → Merchandising) produce memorabilia and generate daily income. Production pauses if your balance goes negative. Once this pipeline is running, it provides reliable background income regardless of match results, making it highly valuable for financial stability.
Three warning signs to act on immediately:
Estimated next-week balance is negative — cut a staff member salary, sell a marginal player, or renegotiate your sponsor.
Overdraft interest appearing on the balance sheet — you have gone negative at some point in the week.
Player salary total rising faster than your sponsor + ticket income — your squad is becoming financially unsustainable
