Football Manager 2024: Sugar Daddy clubs and different owner types

Knowing the sort of owner you're working with can be the key to getting anything out of your Football Manager 2024 save.

Those clubs blessed with what were affectionately known as Sugar Daddies - now titled 'Rich Benefactors' instead - can fall into four drastically different categories, so it's important to know what you're getting yourself into before signing on the dotted line.

Here's a breakdown of each of the four types of Rich Benefactors and some examples of each.

Foreground

If you want a big-spending save, you're looking for a Foreground owner.

These are the owners who are prepared to throw money at everything to do with the club - the likes of PSG and Manchester City are perfect examples.

Background

Background owners are a little calmer than Foreground. They'll ensure financial stability but won't be chucking money around left, right and centre.

You'll be rewarded for promotions or boosts to your reputation, which is when the major signings start becoming possible.

Underwriter

Underwriters are pretty common. They'll wipe out debts and inject a little money initially, but then you're pretty much on your own and your entire budget will be decided by on-field success and player sales.

If things start to go wrong, they can invest to keep you afloat.

Underwriter (Expects Returns)

If your Underwriter expects returns, they will look to recover the money they invested to clear your debts once the cash is flowing again.

It's a tighter save than any other as you won't be given a big budget until you've paid off your existing debts.

Football Manager 2024 Foreground clubs

• Manchester City (England)
• Newcastle United (England)
• Paris Saint-Germain (France)
• Al Hilal (Saudi Arabia)
• Al Ittihad (Saudi Arabia)
• Al Nassr (Saudi Arabia)
• Al Ahli (Saudi Arabia)
• LAFC (USA)
• LA Galaxy (USA)
• Toronto FC (USA)
• Atlanta United (USA)
• Shakhtar Donetsk (Ukraine)

Football Manager 2024 Background clubs

• Wolverhampton Wanderers (England)
• Sunderland (England)
• Hull (England)
• Birmingham (England)
• Oxford United (England)
• Wrexham (England)
• Salford (England)
• AFC Fylde (England)
• Olympiacos (Greece)
• AEK (Greece)
• PAOK (Greece)
• Yokohama F-Marinos (Japan)
• Kashima (Japan)
• G-Osaka (Japan)
• Urawa (Japan)
• Utrecht (Netherlands)
• Famalicao (Portugal)
• Belenenses (Portugal)
• Al Shabab (Saudi Arabia)
• Al Ettifaq (Saudi Arabia)
• Queen's Park (Scotland)
• Clyde (Scotland)
• Galatasaray (Turkiye)
• Fenerbahce (Turkiye)
• Besiktas (Turkiye)
• Trabzonspor (Turkiye)
• Chicago Fire (USA)

Football Manager 2024 Underwriter clubs

• ATM (Brazil)
• BOT (Brazil)
• BRA (Brazil)
• CEC (Brazil)
• Chelsea (England)
• Aston Villa (England)
• West Ham (England)
• Fulham (England)
• Everton (England)
• Brentford (England)
• Leicester (England)
• Bournemouth (England)
• Leeds (England)
• Southampton (England)
• Sheffield United (England)
• Watford (England)
• Norwich (England)
• West Brom (England)
• Middlesbrough (England)
• Blackburn (England)
• Swansea (England)
• Sheffield Wednesday (England)
• Stoke (England)
• Coventry (England)
• Bristol City (England)
• Huddersfield (England)
• Ipswich (England)
• Preston (England)
• Millwall (England)
• QPR (England)
• Cardiff (England)
• Plymouth (England)
• Derby (England)
• Rotherham (England)
• Reading (England)
• Bolton (England)
• Portsmouth (England)
• Charlton (England)
• Peterborough (England)
• Bristol Rovers (England)
• MK Dons (England)
• Fleetwood (England)
• Stockport (England)
• Crawley (England)
• Dag & Red (England)
• York (England)
• Ebbsfleet (England)
• Dorking (England)
• South Shields (England)
• Brackley (England)
• Spennymoor (England)
• Chorley (England)
• Gloucester (England)
• Buxton (England)
• Rennes (France)
• OGC Nice (France)
• Bayer Leverkusen (Germany)
• RB Leipzig (Germany)
• Wolfsburg (Germany)
• Hoffenheim (Germany)
• Vitesse (Netherlands)
• Ross County (Scotland)
• Queen of the South (Scotland)
• Alloa (Scotland)
• Damm (Spain)
• Seattle Sounders (USA)
• NYCFC (USA)

Football Manager 2024 Underwriter (Expects Returns) clubs

• Monaco (France)
• Nantes (France)
• Estoril Praia (Portugal)

READ MORE ON THE BEST SIGNINGS & TEAMS TO START A SAVE WITH ON FM24