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FM23 Sugar Daddy Clubs Guide | Football Manager 2023 Rich Teams

The affects of COVID on football are starting to reduce. Teams are willing to spend at all. To find out who are the richest teams, you are going to want to read our FM23 Sugar Daddy clubs guide.

If you want to start with a strong budget. Why wait for Paris Saint-Germain to steal your wonderkid. Perhaps, one day, one of those ‘Proposed Takeovers’ will finally go through.

Why not use our FM23 Sugar Daddy clubs guide to pick a rich club to start your save.

We have broken down the richest owners in Football Manager 2023 and the meaning of each FM23 sugar daddy type – now known as a ‘Rich Benefactor’.

Football Manager 2023 Sugar Daddy meanings

When the owner of your club is willing to stump up and invest a large amount of cash into the club, the FM Editor classifies them as rich teams, or as Rich Benefactors in the Pre-game Editor.

There are four types in FM23. Foreground, Background, Underwriter, and Underwriter (Expected Return).

FM 2023 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. Currently you are looking at Manchester City and Paris Saint-Germain, and they aren’t exactly struggling.

Newcastle United are the latest to join the group. Bought by Public Investment Fund last season, they are slowly ramping up their business. Surely it won’t be long until they join the Champions League elite.

FM23 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.

In the current game, think Sunderland, Wolverhampton Wanderers and Ryan Reynolds and Rob McElhenney’s Wrexham. Although they have Hollywood millions, the North American duo are trying to push the club up the ladder without breaking the bank.

FM 2023 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.

Everton, Aston Villa and West Ham United all fall in that category in FM23.

FM23 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.

The FM Editor suggests this is most common in China and Mexico.

FM23 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 FM23 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 2023.

The list below states which clubs have an FM 2023 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!


FM23 Tactics Index


Football Manager 2023 Sugar Daddy Clubs List

ClubCountryBalance (£M)Budget (£M)Rich Benefactor
Man CityEngland189.00102.00Foreground
PSGFrance85.6068.97Foreground
ChelseaEngland29.1013.50Underwriter
Zenit Saint PetersburgRussia86.206.40Underwriter
Atletico MineiroBrazil8.306.70Underwriter
MonacoFrance15.1017.20Foreground
RB LeipzigGermany48.7017.20Underwriter
Newcastle UnitedEngland150.0040.00Foreground
HoffenheimGermany84.307.70Underwriter
RennesFrance15.508.60Underwriter
Leicester CityEngland74.8010.00Underwriter
Hertha BSCGermany4.302.10Foreground
NiceFrance3.804.30Underwriter
West Ham UnitedEngland35.203.90Underwriter
TigresMexico13.0310.40Underwriter
BotafogoBrazil3.302.50Underwriter
GalatasarayTurkey19.000.00Underwriter
BesiktasTurkey18.100.00Underwriter
OlympiakosTurkey8.601.70Background
FenerbahceTurkey36.900.00Underwriter
Aston VillaEngland43.4030.00Underwriter
MonterreyMexico10.4010.80Underwriter
UD AlmeiraSpain1.290.94Foreground
Shakhtar DonetskUkraine-43.460.00Foreground
FC LuganoSwitzerland-12.500.57Foreground
GrasshopperSwitzerland-13.200.00Foreground
Estrela da AmadoraPortugal0.430.04Foreground
FC LourosaPortugal0.200.02Foreground
Wieczysta KrakowPoland0.000.02Foreground
EvertonEngland67.102.00Underwriter
Spartak MoscowRussia51.706.00Underwriter
Lokomotiv MoscowRussia41.302.50Underwriter
Sheffield UnitedEngland38.401.00Underwriter
West Bromwich AlbionEngland36.602.50Underwriter
FC KrasnodarRussia34.403.40Underwriter
SouthamptonEngland30.6020.00Underwriter
MiddlesbroughEngland0.207.50Underwriter
FulhamEngland2.907.40Underwriter
BrentfordEngland14.206.80Underwriter
Young BoysSwitzerland16.005.70Underwriter
FC UtrechtNetherlands8.601.70Background
Dynamo MoscowRussia13.603.40Underwriter

Below is our list of the best Wonderkids in FM23. Check it out and let me know what you think


Don’t spend it all at once guys! If you found this helpful please do share on social media and give us a follow for more great FM 2023 content.

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