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The latest complete official club-by-club table identified here is for 2022, not the current Premier League season. In that table, Arsenal had the largest owner-loan balance at £454 million, followed by Brighton & Hove Albion at £406 million and Leicester City at £254 million. The figures come from a UK government football-finance report published in 2023 and describe 2022 accounts; they should not be read as what those clubs—or today’s Premier League clubs—owe now.
Owner loans by Premier League club in 2022
The Department for Culture, Media and Sport’s 2023 report lists the following owner or shareholder loans for the 20 clubs in the Premier League table it analysed. Amounts are in £ millions.
| Club | Owner loans (£m), 2022 |
|---|---|
| Tottenham Hotspur | 98 |
| Manchester United | 0 |
| Arsenal | 454 |
| Brighton & Hove Albion | 406 |
| Leicester City | 254 |
| Everton | 0 |
| Liverpool | 71 |
| Watford | 47 |
| Wolverhampton Wanderers | 13 |
| Manchester City | 49 |
| Southampton | 0 |
| Crystal Palace | 8 |
| Leeds United | 34 |
| Norwich City | 1 |
| Burnley | 1 |
| Brentford | 61 |
| West Ham United | 0 |
| Aston Villa | 8 |
| Newcastle United | 0 |
| Chelsea | 0 |
A reported balance of £0 means the table records no owner loan for that club in the period; it does not mean the club had no other borrowing or liabilities.
What counts as debt to an owner?
These figures cover loans recorded in club accounts from owners, shareholders, parent companies or related entities. A loan remains debt even if it is interest-free. Some such loans have no fixed repayment date and can act economically like long-term funding, but they are still recorded as loans rather than equity.
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Equity is different: an owner’s equity investment is not a loan the club must repay and should not be added to owner-loan debt. A balance can also change if a club receives a new advance, repays a loan or converts a loan into equity.
Why these numbers are not a current-season league table
The 2022 table is historical. Changes reported for 2024/25 show why a club’s old balance cannot simply be carried forward: Matchday Finance reported that related-party loans across the league fell by nearly £600 million overall, including Everton’s £450 million shareholder-loan conversion into equity, conversions of £145 million at Fulham and £157 million at Bournemouth, and £100 million in new Brighton shareholder loans. These are league-level changes, not a complete updated club-by-club owner-loan table.
For a more recent example, The Orange Ledger reported that Tony Bloom’s loans to Brighton’s group stood at £406.5 million on 30 June 2025, up from £299.7 million, after £106.9 million was advanced during the year. It described the balance as interest-free and repayable on demand. That is a specific Brighton figure, not a like-for-like update for every club in the 2022 table.
The available evidence does not establish a complete, current owner-loan table for every Premier League club. The 2024/25 financial analysis reports broader league debt of £4.454 billion, partly offset by £680 million in cash reserves. That broader measure includes more than owner loans, so it cannot be substituted for the figures above.
Owner loans are only one part of a club’s debt
Owner loans should not be confused with bank or stadium borrowing, or with transfer-fee payables. A broader football net-debt measure can include third-party loans, owner or related-party loans, and net transfer fees owed. It answers a different question from how much a club owes its owners.
Even when comparing owner loans alone, the balance does not by itself show whether a club is in financial trouble. The interest rate, repayment terms, cash available, and ability to service debt all matter. A large interest-free loan with no fixed repayment date presents a different repayment profile from borrowing due soon with interest, even if the recorded balances are similar.
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