This is something I wrote a while back, it may be of some use.
Its illustrated with pictures at
http://www.fm-britain.co.uk/forums/i...10&t=5009&st=0
-----------
Making extra money from players
This is a system I use each pre-season to organise and realise the best value from my squad. I hope its of some help. If you find this useful, please leave a remark so other players can benefit from seeing the post.
Post Season
After the final match of the season, review player performance and make early decisions on what players you intend to play in next seasons campaign. I generally sort by rating from the previous seasons performance as a starting point. You will probably have a good idea of who has served you well. Be clinical and ruthless with players who have good attributes but haven't performed.
Send any players who you intend to sell or loan to the reserve team, re-setting all 1st team squad members player status according to their role next season, and renewing new contracts as required. Once complete, continue on until the players return from the holiday, which will be the start of next season.
Scouting
You should acquire or already have a full quota of scouts who have a maximum of 20 in judging player potential. Send your scouts anywhere you desire, my preference is Spain and Spanish speaking countries, such as can ber found in the South American continent. Assign the scouts to look for young players. Personally I set a maximum of 21 or 22 years old. Over this age, the quality players become very expensive.
Aim to secure as many top rated, but good value players as you can afford. As your finances increase, you can buy more expensive, slightly older players, in the 5m bracket - with a view to offloading them later for a lot more.
As my personal profile has my second nationality as Spanish, and my coaches are also generally Spanish speaking, there is very rarely an integration/settling problem. Dont worry about buying players that you dont need, such as having multiple players in the same position.
Always keep your scouts busy - if you are the forgetful type, set a longer list of countries or nations to visit - and as a standby tell the scout to look at champions league or some other long running cup competition - once they work through your list, they will default to scouting this competition. Until you renew their other duties, they will be kept busy this way. Your scouts will gain a good knowledge of the country they are scouting, even if they had none previosuly, and in no time at all they will be picking up the star players.
Its completely subjective, but I have found the great midfielders in quantity seem to come from Spain, defenders from Germany, and attackers from Brazil. But those have been specialised areas for my scouts.
Season Start
Review your reserve squad, promoting players as appropriate to the first team (and setting their new squad status). Only promote players who are absoloutely ready for first team action. If they need more experience, even first team experience, don't promote them.
Any players who you are desperate to ship out, perhaps because they are on a large wage and are no longer needed are a priority. Set them as listed, offer them to clubs (the clubs all still have their full transfer budgets at this stage, and you want a piece of it), and relentlessly do your best to find buyers - dont continue leaving them in the reserve squad draining your finances.
Anyone who is 24+ should be a very strong candidate for immediate transfer as soon as possible. So the first thing I suggest you do is sort by age to quickly identify the older deadwood, transfer list them, and set them as unavailable for loan.
Development and Loaning
With regard to the younger players with potential, who should form the vast majority of your reserve squad, you have already decided they will not realistically feature in the first team, perhaps bar a reserve 4th keeper. So work through each and every player, assigning their status to listed for loan, and accept all loan offers. If you wish to micro-manage loans ie clubs offer a different type of proposition, such as the player becoming a 'valuable member' or 'backup' etc, then by all means go for it - but when you have a large reserve squad with 30 or 40 players, its simply a pain to be accepting hundreds of loan offers not to mention the multitude of renewals every 3/6/9 months.
So with the players who you need to develop in the reserve squad on 'accept all loan offers' all you with have to do is finalise the deal. When the player goes on loan, you wont be paying his wages (unless the club who wants the player simply cant afford to pay all of them), and so the players value will increase, their wages will bepaid, and you wont have any headaches with quality players complaining and also slowly losing ability and not realising their potential as they sit undeveloped in your reserve squad.
Only players whom you are absolutely sure will feature in the first team should be set to 'unavailable for transfer' - ie wonderkids or similar. If you have trouble loaning all your reserve players I suggest you offer them to clubs, offering to pay a percentage of wages if necc. You should end up with around 70% of the reserve squad on loan with a few youngsters that arent ready to go out yet
Training
Next up, all those players who were loaned out in the previous season, will have arrived back and been lumped in the default 'general' training schedule - assign them properly - even if you intend to sell or loan out.
Investment
Next, is ground and traning facility investment. I prefer to prioritise the expansion of my ground as this increases revenues, and generally make a board request to expand the stadium. As long as you have been having full capacity for much of your season, this is always granted, and increasing the gate is a big money spinner as it forms the majority of your revenue. You may wish to do this at any point in the previous season, but the work will not be carried out until about this point.
Ok now you are set to continue with the game. I suggest a save here.
It will be the end of june, and now all your players are organised for the impending transfer and loan offers. You should now continue on with the game, accepting all loan offers.
Sell On Clauses
Regarding transfer offers, offer young players at a realistic price, with a full 50% sell on clause. This will reap large revenues in the future. Even if you have to sell a player cheaper than you would like, remember the cheap cost of buying him in the first place, the fact you wont have to pay his wages, and most importantly, you still own half that player, so in effect, another club is developing him and therefore increasing his value for you. He will most likely be sold at a premium in most cases and you will be seeing many millions start appearing in your account each season. Start to think about players that wont feature in your first team as commodities or stock.
Use players to increase your overall balance. The more players you invest in, the more you will have a share of the talent in the marketplace, so you will have to buy in less and will be able to sell more, whilst increasing your bank balance.
The only pain is, as the bank balance increases, the annual dividend to shareholders incrimentally rises - currently I am contributing 30m annually to 'ai' shareholders - irritating as this is money which I have earnt -and it is a lose-lose situation as far as I am concerned, unless my desktop pc has other plans and is planning to run off to a luxury island with my laptop.
So continue with the game, finalising loan offers as and when, negociating your 50% markups, until July 1st, when quality players may become available on a free transfer with their contracts expiring in 6 months time or sooner (search for players whos contract are expiring). There may well be some bargains available here - but watch buying established quality players simply for the purposes of investment even if they are free, as very high wages will detract potential suitors. I generally use the window to snatch any bargains I just cant resist - and if I dont want to spend my hard earned millions on lots of transfer fees. You only have a very small window for the quality players, and by the 10th July most will be in the last stages of negociations so make all your offers promptly. Of course, some contracts expire at different times, but 1st July and Jan 1st are the big opportunities.
Selling
Once in a while a club will come in for a big offer for a player - if he is young, get the 50% on top, even if it means taking a hit of a few million, and smile a few years later when you get another 10m from a sell on. Often players you have bought on a free can go for the big bucks and you can secure the 50% sell on.
I often buy and sell players without them even seeing the stadium - buying them in, securing a loan deal immeditely, repeating for a couple of seasons, then selling. Once a player starts attracting interest from clubs, this is a good time to sell - dont be tempted to hang on to them in the hope you might get a couple of million more - because they will be worth less at the end of their contract. You will reap the rewards later and you can use the cash to buy more players. On the other hand, if a club comes in with a small offer for a young player who has a few years left of development, give them a big price with a 50% sell on of course - they will almost always back down and then leave you alone, then come back a year or two later with a reasonable offer of 3-6m + 50% which is about the average sale you can expect.
But dont be tempted to sell your 1st team players. There should be no need. Unless perhaps it's silly money - but there's usually a reason why clubs will offer 20m+ for a 23 year old.
Transfers
Once the season starts, if any players request a transfer, I always grant it, and slipstream them into my system, loaning or selling them accordingly. I come down hard, always, on any player with issues, telling them I'm the boss (well I am arent I?) With media speculation, tell them you will 'only sell at the right price' for any reserve squad not on loan (wonderkids notwitstanding), and hands off warnings for the first team. The first team squad players rarely have a problem as everyone is there to play some part, I sub on the keepers if Im 3-0 at 70min up to keep them happy.
Summary
So thats about it. My guess is you probably knew all or most of this already, but I have found this systematic approach alows me to sort out the business end of things very quickly and efficiently and focus on the tactical end of things during the season itself, whilst not having to worry about happiness, contracts, player development, finances, or other non ball related issues (except perhaps the chairman's wife).
Good luck with your gaming, whatever your methods.
Generating Cash 
Linear Mode
