"Emergency" Loans
Since the start of March there have been twenty four Emergency Loans that I can count in the Football League. That’s an average of six per day where registrations have been allowed. The Emergency Loan system has become an important part of every club’s strategy, either from a first team perspective or a youth player development one.
A quick review of the loan system; there are two main types of loan, a standard loan which can only be done when a transfer window is open and the player’s registration is given to a club. That registration can only then go back when a transfer window is open again. These standard loans are half season or full season only. Emergency Loans are shorter loans that happen outside of a transfer window and vary in length up to a maximum of 93 days. Premier League teams are not allowed to do Emergency Loans nor are clubs across country borders. Technically the club taking the player have to lodge an ‘Emergency’ reason why they need the player - injury, suspension etc.
For the larger teams, it allows them to manage their squads, send players out on loan who may not be getting enough games either to put them in the shop window for a possible future permanent transfer or just as a confidence and fitness exercise. They also can use it to send their younger players out for a taste of first team football, to improve as a player in an environment a step up from the reserve teams (that are less and less now) and the development squads that are replacing them.
For the Football League teams, loan players now make up an important part of sound financial planning and being competitive. Fans may not take to loan players as much as their own, and long term they offer no chance for cash injections through the development and sale of their own players. However they are usually players with good CVs who may be able to come in on low wages, or if the wages are high then the risk is lower as if it doesn’t work out the contract length is only a month or two.
Agents get as involved in the loan system just as much as we do the transfers and contract re-negotiations. It is usually us agents that discuss the possibility of our clients going out on loan, and then make sure we are looking around the market place for possible opportunities. The downside is that I don’t think I have ever been paid to do this part of the job, so it’s just becomes part of the service that they get for the fees we earn when we do a transfer or a new deal. When we get the green light from a club to do a loan, I treat it like any other deal, I put together a shortlist of interested clubs simply by spending time on the phone talking to managers and then when my client and I decide a direction we would like to move in, we get the clubs talking and hopefully conclude a deal. The clubs need to agree what percentage of wages the loan club are going to pay, sometimes its all the wages, sometimes half, sometimes even more than the wages to include a loan fee of some kind. Then I will have a quick chat trying to get my client some good bonuses and away they go. There isn’t normally a medical for an emergency loan.
Something that has passed a lot of people by this season is it has been decided by FIFA that the Emergency Loan system will cease completely after the 2012/13 season. So clubs at every level, from Premier League down to Conference will have to do all their business in the transfer windows and that will be it. This will make Agents and scouts lives a bit quieter outside of the windows, but could lead to clubs struggling financially, players getting very frustrated not getting games, clubs struggling with injury crisis having to use youth players or clubs going the other way and hoarding a lot of loan players just in case.
I am not a fan of this decision myself as I see the flexibility of the Emergency Loan system a vital part of the modern game. Big clubs are spending money buying up all of the best young Football League talent but then how will they get games if the Emergency Loan system is scrapped? I understand that they want to go back to the days of clubs producing their own players and making profit on them. A dream I can buy into but Managers don’t get enough time to do the same.
Someone told me that the system will be scrapped following Arsenal loaning Aaron Ramsey to Cardiff outside of the transfer window on an Emergency Loan. It seems that someone at the clubs, or the Football League, failed to realize that Cardiff was in-fact not in England and so was a cross-border loan, hence breaking the rules. FIFA were not impressed.
Take care
FA46



