4 of them are to managed clubs. I can quit SM if you truly believe I'm like that if you want but
@harshad has found my loans useful. He can't afford to spend the £10M+ needed on young 88 rated or higher players but can afford half the wages for a season loan, so I have loaned him players then if it comes to the point where I sell one of them, he gets first dibs at FACE VALUE. I'm not arsed about the money.
Look at Gabriel Mercado. I loaned him to Bristol City, he got up to 89 rated and had done very well at Sevilla. He got a loan concern and I told harshad that if he wanted Mercado at an affordable value to keep him on loan until the end of the season, he'd then get to concern level 2 and harshad only needed to fork out £3.7M for him instead of £5.9M from me at concern level 0, or £7M+ from other clubs. He's going to maintain his rating for a while.
Likewise I've been good to
@gaz1185's Kidderminster Harriers, loaning them Mbappe from when he was either 83 or 86 rated all the way up until he was 91 (Mbappe helped hugely in promoting Kiddy from Division 5 to Division 2). Then, when I had Mbappe back I gave him what is his current highest rated player permanently and a bunch of cash for someone who was a Newcastle reject and helped out again with loans further by loaning him Elvedi who is versatile.
I helped out another small club in
@RedSky's Hereford by loaning them players they couldn't afford on a permanent basis like Gaya (now worth £16M and on wages of £65k - unaffordable for him), then Christensen this season (now worth £18M and on wages of £65k) and as a result he's going to get Matip on a permanent basis next season for face value. And again, I'm letting Matip pick up a level 2 concern to make the player more affordable - so instead of costing £14M he'll end up costing around £11M.
Some clubs rely massively on these 88 rated players. I'm not doing it to purely benefit me. End of the day they all got something out of it and usually decent players on a permanent basis.