Its not actually too bad, think in terms of income and expenditure without transfers (my baseline) its about a 6mil loss. A few transfers and hopefully some prize money should see that right.
Aye. I don't think anyone but United makes any substantial profit anyways. It's just varying degrees of losses or minimal profit where you have been equipped with varying squad caps to compensate for that by making money off risers.
That's why I don't get this proposal to restrict loans on top of that. Every riser makes the club atleast 2.5-3mil if the manager wants a quick buck, more if he goes long term. Extra 7.5k in your stadium capacity isn't going to make that big a difference in the income.
Wanting some cap on loans on top of that so that you can be slow and then keep players you can't afford even after this big advantage is just greedy.