Football Manager 2023: Sugar Daddy clubs and different owner types

Understanding the type of owners on Football Manager 2023 can be key to you deciding which club to join.

Now known as a 'Rich Benefactor', there are four different types of these sugar daddies in Football Manager 2022: Foreground, Background, Underwriter, and Underwriter (Expects Return), each of which offers a wildly different experience on the game.

Here's an explanation of each type of owner and a list of clubs you could join if that sounds like your kind of challenge.

Foreground

This is the owner you want - one who is prepared to throw money at the squad to fund new signings and improve the training facilities with the sole view of succeeding in football.

Think PSG, Man City, Newcastle or Roman Abramovich's Chelsea for famous examples of a Foreground owner.

Background

Background owners are focused on ensuring the club are financially stable, without throwing a whole load of money at the squad.

They can often invest as a reward for team performance, such as promotions or growing your reputation, but don't expect them to go crazy.

Underwriter

This is the most common type of owner on the game. An Underwriter will come in and wipe out any debts at the club, but they won't go crazy with their investment and will likely leave you to fend for yourself, only interjecting if things go downhill.

They'll make sure your club is doing alright but won't throw any more of their own money at the squad.

Underwriter (Expects Returns)

If your Underwriter expects returns, they will look to recover the money they invested to clear your club's debts when you eventually get back on top.

They do want to help the club but are not prepared to lose their own money and will demand their investment back before considering putting any more into the club.

Football Manager 2023 Foreground clubs

• Manchester City (England)
• Newcastle United (England)
• Paris Saint-Germain (France)
• AS Monaco (France)
• Hertha Berlin (Germany)
• Al-Hilal (Saudi Arabia)
• Al-Nassr (Saudi Arabia)
• Al-Ittihad (Saudi Arabia)
• Al-Shabab (Saudi Arabia)
• Al-Ahli (Saudi Arabia)
• Almeria (Spain)
• Shakhtar Donetsk (Ukraine)
• Atlanta United (USA)
• LAFC (USA)
• LA Galaxy (USA)
• Toronto FC (USA/Canada)

Football Manager 2023 Background clubs

• AFC Fylde (England)
• Salford City (England)
• Sunderland (England)
• Wolverhampton Wanderers (England)
• Wrexham (England)
• FC Utrecht (Holland)
• Belenenses (Portugal)
• Famalicao (Portugal)
• Portimonense (Portugal)
• Queen's Park (Scotland)
• FC Andorra (Spain)
• Ibiza (Spain)

Football Manager 2023 Underwriter clubs

• AFC Bournemouth (England)
• Aston Villa (England)
• Blackburn Rovers (England)
• Brackley Town (England)
• Brentford (England)
• Bristol City (England)
• Buxton (England)
• Cardiff City (England)
• Charlton Athletic (England)
• Chelsea (England)
• Chorley (England)
• Crawley Town (England)
• Dagenham and Redbridge (England)
• Derby County (England)
• Ebbsfleet United (England)
• Everton (England)
• Fleetwood Town (England)
• Fulham (England)
• Gloucester City (England)
• Harrogate Town (England)
• Huddersfield Town (England)
• Leicester City (England)
• Middlesbrough (England)
• Millwall (England)
• Milton Keynes Dons (England)
• Plymouth Argyle (England)
• Portsmouth (England)
• Preston North End (England)
• Queens Park Rangers (England)
• Reading (England)
• Rotherham United (England)
• Sheffield United (England)
• Sheffield Wednesday (England)
• Southampton (England)
• South Shields (England)
• Spennymoor Town (England)
• Stoke City (England)
• Watford (England)
• West Bromwich Albion (England)
• West Ham United (England)
• York City (England)
• OGC Nice (France)
• Stade Rennais (France)
• RB Leipzig (Germany)
• TSG Hoffenheim (Germany)
• Vitesse (Holland)
• Alloa Athletic (Scotland)
• Queen Of The South (Scotland)
• Ross County (Scotland)
• CF Intercity (Spain)
• New York City FC (USA)
• Seattle Sounders FC (USA)

Football Manager 2023 Underwriter (Expects Returns) clubs

• Changchun Yatai (China)
• Guangzhou City (China)
• Guangzhou FC (China)
• Henan Songshan Longmen (China)
• Meizhou Hakka (China)
• Shandong Taishan (China)
• Shenzhen FC (China)
• Tianjin Jinmen Tiger (China)
• Wuhan Three Towns (China)
• Club Atletico Morelia (Mexico)
• Mineros de Zacatecas (Mexico)