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FM22 Sugar Daddy Clubs Guide | Football Manager 2022 Rich Teams

FM22 Sugar Daddy Club List

Do you want money to spent from the very first day? You are going to need our FM22 Sugar Daddy clubs guide.

Why wait to sell your best player, or maybe one day have a takeover actually go through, why not use our FM22 Sugar Daddy clubs guide to pick a rich club to start your save.

We have broken down the richest owners in Football Manager 2022 and the meaning of each FM22 sugar daddy type – now known as a ‘Rich Benefactor’.

Football Manager 2022 Sugar Daddy meanings

When an owner is willing to invest large sums of money in the club, the editor classifies them as FM 2022 sugar daddy clubs, or FM21 rich teams to you and me and Rich Benefactor in the Pre-game editor.

There are four types in FM22. Foreground, Background, Underwriter, and Underwriter (Expected Return).

FM 2022 Frontend or Foreground Sugar Daddy

This is the owner we see in the media and around the club, and perhaps the only type you actually want in your Football Manager save. Think of Roman Abramovich when his first took over at Chelsea, Nasser Al-Kheliaifi and now newly acquired Newcastle United and the Public Investment Fund from Saudi Arabia.

Manchester City changed the game when they were taken over in 2008, and owners showed there is more to being a Sugar Daddy than buying players. Moving into their new training complex in 2014.

FM 2022 Backend or Background Sugar Daddy

A background sugar daddies primary focus is taking care of club stability and financial health. You may get investment towards promotion or growth within your own league but don’t expect much.

This Football Manager 2021 sugar daddy will most likely change to underwriter or even step down altogether.

FM 2022 Underwriter Sugar Daddy

The most common sugar daddy in FM. An underwriter will wipe out bad debt but won’t actively invest in the clubs growth.

FM22 Underwriter (Expects Return)

Similar to the underwriter, this owner will not be hands on in terms of the daily running of the club, but will consolidate the finances. They come in, steady the sinking boat.

Underwriters usually expect to receive something back from their investment once the debts are clear. They want the club to be successful, thus improving the finances. Then the money they have put in can be recovered.

FM 2022 Sugar Daddy Clubs

As the pre-game editor is free, all this information is freely available, if you know where to look. The list below will help reveal all the clubs with a Rich Benefactor in FM22 and provide you with the transfer budget and balance the club has at the start of the save.

If you want a true FM22 Sugar Daddy, aim for the Foreground clubs. If you want to grow a smaller club, background owners are great. For stability, you are OK with an underwriter Sugar Daddy in FM 2022.

The list below states which clubs have an FM 2022 sugar daddy and what type. We have included potential transfer budget and financial balance. We have only included clubs from Europe and South America to make the list easier to search. The list is ordered by country so you can best find sugar daddies relevant to your save. Enjoy!


Find the best FM 2022 players:


Football Manager 2022 Sugar Daddy Clubs List

ClubCountryBudget (£ million)Sugar DaddyBalance (£ million)
Newcastle UnitedEngland200Foreground250
Manchester CityEngland100Foreground70.6
ChelseaEngland40Underwriter131.6
Paris Saint-GermainFrance38.4Foreground231
Shakhtar DonetskUkraine34.2Foreground50.3
Dinamo MoscowRussia21.3Underwriter7.4
Aston VillaEngland20Underwriter6
Wolverhampton WanderersEngland20Background19.7
RB LeipzigGermany17.1Underwriter48.3
OGC NiceFrance12.8Underwriter29
Stade RennaisFrance12.8Underwriter42
BrentfordEngland12Underwriter6
Leicester CityEngland10Underwriter13.8
KrasnadorRussia8.5Underwriter85.5
Spartak MoscowRussia8.5Underwriter51.3
Zenit St. PetersburgRussia8.5Underwriter85.5
West HamEngland8Underwriter21
TSG HoffenheimGermany7.6Underwriter83.6
Clube Atletico BragantinoBrazil5.5Underwriter8.2
SouthamptonEngland5Underwriter84
Hertha BSCGermany4.2Foreground17.1
FC FamalicaoPortugal3.8Background5.13
Preston North EndEngland3Underwriter5
FC UtrechtHolland2.56Background10.2
VitesseHolland2.56Underwriter12.8
MiddlesbroughEngland2.5Underwriter0.2
West Bromwich AlbionEngland2.5Underwriter14.2
FC SochiRussia2.13Underwriter17.1
EvertonEngland2Underwriter5.3
Fulham FCEngland2Underwriter10
WatfordEngland2Underwriter10
Olympiakos PiraeusGreece1.7Background8.4
Lokomotiv MoscowRussia1.7Underwriter41
PAOK ThessalonikisGreece1.19Background4.27
Desportivo Estoril PraiaPortugal1.02Underwriter (Expected Return)1.54
PortimonensePortugal1.02Background1.91
Bristol CityEngland1Underwriter0.8
Queens Park RangersEngland1Underwriter1.5
Sheffield UnitedEngland1Underwriter12.6
UD AlmeriaSpain0.94Foreground1.28
Young BoysSwitzerland0.79Underwriter4.54
Colo-ColoChile0.54Underwriter1.8
Cardiff CityEngland0.5Underwriter1.5
Universidad de ChileChile0.44Background0.62
AEK AthensGreece0.42Background1.6
Grasshopper ZurichSwitzerland0.39Foreground-7.15
FC SionSwitzerland0.39Background-8.64
Rotherham UtdEngland0.3Underwriter0.25
Aris ThessalonikisGreece0.26Underwriter0.5
WrexhamEngland0.25Background2.5
Lusitania de LourosaPortugal0.25Foreground0.21
Torpedo MoscowRussia0.25Underwriter2.96
Milton Keynes DonsEngland0.2Underwriter1.35
Sunderland AFCEngland0.2Background2.6
FC Lausanne-SportSwitzerland0.19Background-7.15
O'HigginsChile0.18Background0.6
Helsingin Jalk.Finland0.171Underwriter0.855
Estrela de AmadoraPortugal0.17Foreground0.17
Ross CountyScotland0.15Underwriter0.25
Blackburn RoversEngland0.1Underwriter11.6
Charlton AthleticEngland0.1Underwriter0.14
Asteras TripolisGreece0.085Underwriter0.51
OFI CreteGreece0.085Underwriter0.085
Queens ParkScotland0.08Background1
Seinajoen Jalk.Finland0.064Underwriter0.85
Dundalk FCIreland0.064Underwriter1.38
Plymouth ArgyleEngland0.05Underwriter2.5
Salford CityEngland0.05Background1
Kuopion PalloseuraFinland0.042Underwriter0.213
AO XanthiGreece0.042Background0.42
LarneNorthern Ireland0.04Foreground0.3
Kiryat ShmonaIsrael0.035Underwriter-1.9
Kryvbas Kryvyi RihUkraine0.035Underwriter2.1
Queen Of The SouthScotland0.03Underwriter0.075
Wieczysta KrakowPoland0.028Foreground0
Crawley TownEngland0.025Underwriter0.044
Dagenham & RedbridgeEngland0.025Underwriter0.1
Harrogate TownEngland0.025Background0.08
CF Os BelenensesPortugal0.025Background0.25
Futebol Clube de AlvercaPortugal0.025Foreground0.25
FC Inter TurkuFinland0.021Underwriter0.1
AFC FyldeEngland0.02Background0.4
IFK MariehamnFinland0.017Underwriter0.025
South ShieldsEngland0.015Underwriter0.015
Spennymoor TownEngland0.01Underwriter0.049
Lysekloster ILNorway0.008Underwriter0.081
SalgueirosPortugal0.006Background0.128
BuxtonEngland0.005Underwriter0.041
HaverfordwestWales0.002Underwriter0.005
Vilaverdense SADPortugal0.0017Background0.064
Berco Sport ClubePortugal0.0008Background0.038
C.F. IntercitySpain0Underwriter0
IbizaSpain0Background0.42
FC Black StarsSwitzerland0Background-0.071
SC YF JuventusSwitzerland0Background-0.071
PendiksporTurkey0Background1.2
Adandemirspor KulubuTurkey0Background2.5
AltinorduTurkey0Underwriter1.4
BesiktasTurkey0Underwriter18.3
Bodrumspor A.STurkey0Background1.29
FenerbahceTurkey0Underwriter28.2
GalatasarayTurkey0Underwriter18.3
Kasimpasa ASTurkey0Underwriter2.5
Manisa Futbol KulubuTurkey0Background2.5
SamsunsporTurkey0Background1.3
TrabzonsporTurkey0Underwriter2.5
Istanbuk BasaksehirTurkey0Underwriter5.8
EyupsporTurkey0Background1.2
AFC BournemouthEngland0Background34
Brackley TownEngland0Underwriter0.025
ChorleyEngland0Underwriter0.25
Derby CountyEngland0Underwriter0
Ebbsfleet UnitedEngland0Underwriter0.02
Fleetwood TownEngland0Underwriter0.25
Gloucester City AFCEngland0Underwriter0.058
HuddersfieldEngland0Underwriter15.3
ReadingEngland0Underwriter0.5
Sheffield WednesdayEngland0Underwriter0.48
Stoke CityEngland0Underwriter8.1
York CityEngland0Underwriter0.03
PortsmouthEngland0Underwriter3.2
MillwallEngland0Underwriter0.63
APO LevadeiakosGreece0Underwriter0.085
Atromitos AthensGreece0Underwriter0.42
Panachaiki GEGreece0Background0.12
Derry CityIreland0Underwriter0.05
Shelbourne FCIreland0Background0.12
Waterford FCIreland0Underwriter0.062
Maccabi Tel-AvivIsreal0Underwriter0
Alloa AthleticScotland0Underwriter0.003
Greenock MortonScotland0Underwriter0.05
F.C. AndorraSpain0Background0.42
FC LuganoSwitzerland0Foreground-6
FC LuzernSwitzerland0Underwriter-0.87
FC Rapperswil-JonaSwitzerland0Background-0.13
FC SchaffhaussenSwitzerland0Background0.29
FC Stade NyonnaisSwitzerland0Background-0.069
FC WinterthurSwitzerland0Underwriter0.039
FC ZurichSwitzerland0Background-0.87
Servette FCSwitzerland0Underwriter-0.063
Stade-Lausanne-OuchySwitzerland0Background0.0079
Yverdon Sprot FCSwitzerland0Background-0.15
Neuchatel Xamax FCSSwitzerland0Background0.25

Every year we test countless tactics and review the very best. For FM22 these systems will be ranked and listed within our tactics index linked below.

BEST FM22 Tactics Index


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