Statsy Posted August 4, 2019 Share Posted August 4, 2019 I've looked around online and can't seem to find anything relating to FM2019 clubs which have the most debt and loans to pay. I'm looking for a long term save, where I can manage a club who is truly financially stricken. Any idea where I can find the worst debt clubs? I'm new to the forum, apologies if I posted in the wrong place Thank you Link to post Share on other sites More sharing options...
Hovis Dexter Posted August 4, 2019 Share Posted August 4, 2019 I've never seen anything about the club with the most debt. It may well be that you could find out the answer by using the pre game editor. Link to post Share on other sites More sharing options...
Nobby_McDonald Posted September 9, 2019 Share Posted September 9, 2019 Surely Bolton and Bury will be among those most in debt in FM19. Link to post Share on other sites More sharing options...
AytchMan Posted September 9, 2019 Share Posted September 9, 2019 You could start by checking out, in-game, the list of clubs with the most financial insecurity. The highest-level clubs in that category would all likely have mountains of debt. A quick review would probably reveal the two or three biggest debt loads. Link to post Share on other sites More sharing options...
MrPompey Posted September 10, 2019 Share Posted September 10, 2019 11 hours ago, Nobby_McDonald said: Surely Bolton and Bury will be among those most in debt in FM19. Bury will likely be removed from L1, Bolton we will wait on. Debt may depend on how well the finances are modelled in FM and how these are reflected by the relevant club assistant researcher Link to post Share on other sites More sharing options...
duesouth Posted September 10, 2019 Share Posted September 10, 2019 I seem to recall someone trying a career save in Turkey and mentioning many of their clubs are massively in debt - might be worth checking out. Link to post Share on other sites More sharing options...
redders1977 Posted September 10, 2019 Share Posted September 10, 2019 Sheffield Wednesday start with no transfer or wages budget, and have loans to pay on promotion to premier League Link to post Share on other sites More sharing options...
AndTheKnee Posted September 10, 2019 Share Posted September 10, 2019 zaragoza Link to post Share on other sites More sharing options...
Nobby_McDonald Posted September 16, 2019 Share Posted September 16, 2019 On 10/09/2019 at 10:55, MrPompey said: Bury will likely be removed from L1, Bolton we will wait on. Debt may depend on how well the finances are modelled in FM and how these are reflected by the relevant club assistant researcher Not in FM19. Bury won promotion from League Two in the FM19 season (2018/9). They will be removed from League One for FM20, just like they got expelled in real life. Link to post Share on other sites More sharing options...
MrPompey Posted September 16, 2019 Share Posted September 16, 2019 @Nobby_McDonald Yep it will be included in FM20 as that covers the season 2019/20. No idea what debt those clubs had at the start of FM19 in real life or FM but I suspect it may not have been fully included in the FM19 at start or winter update For FM19 it may depend on how any debt repayment had been structured as this may or may not result in the debt escalating for the start of FM19 I do wonder how many other EFL clubs are operating very close to potential bankruptcy As a Pompey fan its been a roller coaster until very recent times. I wonder if a similar model of fan ownership for Bury could have saved them if initiated at the right time I've never seen a club in FM get expelled due to bankruptcy, that might be too harsh in the FM world Link to post Share on other sites More sharing options...
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