Finance

🏦 Your club has a single bank balance and a weekly finance pulse. Once per in-game week the pulse pays player and staff wages, collects your sponsorship instalments and pays central TV money plus a commercial stream scaled by your club's reputation. That is the whole weekly ledger — it does not charge loan repayment or stadium upkeep. Everything else arrives separately: gate receipts after each home match, transfer fees in lump sums when a deal completes, and league prize money at season end (every club, from ten weeks of a typical wage bill for the champion down to one week for the bottom half).

The Finance screen is the dashboard for all of it: current balance, net weekly result, weekly revenue by stream, your wage bill against the board-set budget (green under 70%, amber under 90%, red above), a chart of the balance across recent transactions, and a runway estimate — how many weeks the balance survives at the current rate, with a warning when that count drops under 20.

Stadium ticket pricing lives on the Stadium screen, under Pricing, and the Expansion tab is where the ground grows, from a dirt pitch for 100 to 200,000 seats. Loans are available from the Finance screen, under Bank, on your club's scale — 100,000 to 50M at division 3 of a strong nation, far less at the foot of the pyramid — one active loan at a time, repaid in 26 weekly instalments. Interest is 2%, rising to 3% in the top four-fifths of your range, and the contract fixes the total to repay at amount × (1 + rate × 6).

🧮 Worked example: a wage bill of 20,000 a week is roughly 700,000 over a season — a ManageFC season is 245 days, 35 weekly pulses, not 52. If gate receipts, sponsors and prize money clear that with margin, you can invest in the squad; if they barely cover it, every signing makes the next season tighter — not just this one.