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Contingency AI Logo - White

Your club is owed money right now. And owes money it hasn't planned for.

Do you know what's at stake, and when?

Contingency AI reads every transfer clause and salary contract across your squad and alerts your finance team the moment a payment is due or an obligation triggers.

Save time & resource
Improve cashflow
Single source of truth
Increase forecast accuracy
Powered by TransferRoom, which is used by 800+ clubs worldwide

€13bn+

Global transfer spend in 2025

15%

Of transfer fees are now contingencies

5x

More common than a decade ago

90%+

Of clubs still use Excel to track

The Problem

A £500,000 payment. Missed, because it was tracked in Excel, and the person who managed it left.

Contingency payments now make up 15% of all transfer fees, 5x more than in 2015. Every match can trigger new obligations. Yet most clubs are still managing this in Excel: one person checking spreadsheets every weekend, tracking 15–20 clauses per contract, hoping nothing falls through the cracks.

"You can easily miss a huge amount of money if you don't have all the data together."

Beat Flückiger — Chief Financial Officer
BSC Young Boys

"We didn't have any structure, using spreadsheets, trying to have the data together. It was hard to know: do we track everything, do we miss anything?"

Stephan Thernström — Chief Financial Officer
Hammarby IF
The Cost of Getting it Wrong
Payments you're legally owed, going uncollected.
You're building next season's budget without the full picture.
One person leaving shouldn't cost you £500,000, their knowledge walks out with them.
A salary clause triggers, your payroll runs on the wrong figure, and the first you hear about it is an angry call from the agent.
How it Works

Contingency AI gives you complete visibility, automatically.

Drag and drop your contracts. Our AI extracts your key clauses. From that moment, payments are tracked, triggers are monitored, and your cashflow picture is always up to date, without anyone checking a spreadsheet.

1
Connect your contracts
90% AI accuracy
2
We track every trigger
No spreadsheets · No manual checking
3
You stay in control
No unexpected invoices
AUTOMATED TRACKING

Key clauses tracked.
Every bonus calculated.

Upload your contracts. Our AI reads them. Every sell-on, appearance bonus, promotion clause and loan obligation is extracted and structured for review. In minutes, not days.

  • AI contract reading with an average of 90% extraction accuracy
  • Full clause library across your entire squad
  • Single source of truth across finance, sporting, HR
Likely to be triggered soon
3
MC
VR
FH
Mateo Cruzado and 2 more
REAL TIME ALERTS

The clause fired.
You should be the first to know.

Performance data monitored across every player you buy, sell or loan. When a trigger is met, you're notified instantly and ready to invoice. Goals scored, appearances hit, promotion confirmed.

  • Instant notifications when clauses trigger
  • Alerts on both incoming and outgoing obligations
  • One-click invoice generation from alert
Notifications Mark all read
Triggered
2
Forecast
20 starting appearances
14 Oct 26 • Victor Radek
10 goals scored
14 Oct 26 • Finn Hartford
View all
New contingency clause triggered
Zion Bradshaw
20 Appearances
Zion Bradshaw
Review now
FINANCIAL FORECASTING

Walk into every board meeting with confidence.

Know what's due, what's owed, and when, before anyone asks.

  • 90-day clause trigger forecast
  • Full picture of incoming and outgoing payments
  • Projections grounded in real contract data
Finn Hartford
Finn Hartford
Base Salary: €500K / yr
Team Bonus League Pos. €20K Loyalty Bonus Clause #08 €40K SEP OCT
AUDIT TRAIL

Audit-ready. Always.

A complete verifiable record of every action on the platform. PSR, FFP, UEFA licence conditions. Put it in front of any regulator or your own board. Any time.

  • GDPR, ITAR, HIPAA & CMMC compliant
  • Trusted by 800+ clubs worldwide
Logging activity
Compliant with
See it in Action

Four walkthroughs. Under three minutes.

Contract Upload
From PDF to monitored clauses. In minutes.
Salaries
Key clauses tracked. Every bonus calculated. Every month.
Missed Invoices
Know what's owed. Know what's been billed.
The Forecast
Stop reacting to clauses. Start planning for them.
1 / 4
Customer stories

Don't take our word for it.

Premier League
Brentford FC
"Our #1 priority"
Cliff Crown
Chairman, Brentford FC
Watch
Swiss Super League
BSC Young Boys
1 week
of manual finance work saved every year
Beat Flückiger
CFO, BSC Young Boys
Watch
Allsvenskan
Hammarby IF
2 → 1
people needed to manage all contingencies
Hammarby IF
Stephan Thernström
CFO, Hammarby IF
Watch
Primeira Liga
Estrela de Amora
"Plan further with greater precision"
Pedro Silva
CFO, Estrela de Amora
Watch
Who it's for

Built for finance.
Valuable to everyone it touches.

Whether you’re forecasting budgets, planning windows, or running payroll, you need the right numbers at the right time.

Full visibility
always prepared for what's coming, before it arrives

Move from reactive to proactive. Present forecasts with confidence, knowing your contingency position is complete and verified. Be the most informed person in the boardroom, with full visibility across every incoming and outgoing obligation before decisions need to be made.

What Contingency AI keeps on your radar
1 outgoing obligation due within 30 days
3 clauses approaching trigger threshold
Q2 incoming contingencies: €1.4M confirmed
Key clauses tracked, board report ready
Last export: this morning
Time reclaimed
208 hours saved per finance manager, per year

4 hours back every week. BSC Young Boys' CFO reported that Contingency AI saved their finance team hours of manual work every week. No more checking what happened at the weekend, building forecasts from scratch, or cross-referencing contracts with Transfermarkt. Contingency AI does the heavy lifting so your team can focus on analysis, not data entry.

What Contingency AI keeps on your radar
Weekend match scan: complete (auto)
7 clauses reviewed, 0 manual entries needed
2 new contracts pending AI extraction
Monthly invoice run: ready to generate
Spreadsheets replaced: all of them
Budget ready
know your full financial position before you negotiate

Know what incoming payments are expected before you negotiate. Self-serve access to your club's full contingency position at any moment. No more discovering a €250,000 windfall five days after the transfer window shut.

What Contingency AI keeps on your radar
Clearer picture of your summer window budget
Expected incoming: €1.85M (Q3)
Ligue 1 sell-on: likely to trigger in 4 weeks
Transfer capacity updated in real-time
No window surprises since onboarding
Zero surprises
payroll-ready exports after every matchday

High-value players expect to be paid accurately and on time. Errors and delays create friction you don't need. Contingency AI automatically calculates salaries, fixed fees and contingent performance bonuses so you can export to your payroll system at the end of each pay period without needing to chase finance for the numbers.

What Contingency AI keeps on your radar
Matchday bonuses: auto-calculated
Appearance payments: 12 triggered this month
Payroll export: ready for sign-off
Loyalty fees due: flagged 30 days out
Player disputes this season: 0
Resources

Finance in football is changing. Stay ahead of it.

GUIDE
Contingency Payments in Football: The Guide Every Club Needs
How professional clubs structure, track and manage transfer obligations, and why the industry's reliance on spreadsheets is a ticking financial time bomb. 15 min read.
Read more
CASE STUDY - BSC YOUNG BOYS
How their CFO recovered a week of finance work every year
"You can easily miss a huge amount of money if you don't have all the data together." — Beat Flückiger, CFO
Read more
CASE STUDY - HAMMARBY IF
How their CFO went from two people tracking transfers to one
"Before, we had two people working on it. Now it's down to one person who can control it." — Stephan Thernström, CFO
Read more
FAQ

Questions we get asked a lot.

Contingency payments are conditional transfer fees, clauses in player contracts that trigger on specific events: goals, appearances, promotions, resale percentages. They can be incoming (money owed to you) or outgoing (money you owe). In 2025, they make up 15% of all transfer fees globally, 5x more than a decade ago.

Our AI achieves an average of 90% accuracy on initial contract extraction. Every contract then goes through TransferRoom's legal operations review, bringing further accuracy before it appears in your dashboard. You don't rely on AI alone for financial obligations.

Yes. Contingency AI is GDPR, ITAR, HIPAA and CMMC compliant. Contract data is encrypted at rest and in transit, with strict access controls and a full audit log. We only ever use your data to operate the platform, never for any other purpose.

Most clubs are fully onboarded within 30 days of signing. That includes AI extraction of all existing contracts, legal review of extracted clauses, and integration with your live performance data. No IT project, no months of implementation.

No. Contingency AI is a standalone product. You don't need an existing TransferRoom subscription to use it. The TransferRoom connection means Contingency AI benefits from the world's largest network of live transfer data, but it operates independently of the main platform.

Contingency AI is designed for the modern contract landscape meant to de-risk purchases, translating complex contractual language into trackable financial metrics. We handle complexity through a combination of AI-assisted extraction and granular logic settings

A 20-minute call where we walk through the platform using a real club scenario. We'll also look at your current setup and show you specifically how Contingency AI would work with your contracts and what efficiencies the platform can bring for your finance team.

Contingency AI handles player transfer agreements, loan agreements, player employment contracts, and any document containing conditional payment clauses. If a clause type isn't currently supported, our team can review and add it, the system is built to handle the full complexity of modern football deals.

Yes. The system utilises a dedicated Forecast Tab to transform uncertain contract clauses into predictable financial data. Based on real-time performance and fixture density, the platform projects cash flow requirements for 30, 60, and 90-day windows.

Key Features

  • Probability-Based Budgeting: Costs are categorised by certainty levels: Certain (100%), Highly Likely (>80%), and Likely (50-80%)
  • While the system does not send automated external notifications, it provides an always-on, daily-updated dashboard.
  • Projections automatically factor in player injury status, current performance rates (e.g., goals/starts per match), and upcoming squad rotation.

Absolutely. Contingency AI acts as a unified source of truth for your entire talent ecosystem. The platform allows you to seamlessly manage Player Salary Contracts and Agency Fees alongside Transfer Agreements.

The Salary Contracts module provides a comprehensive toolkit for managing the full compensation lifecycle, from core base wages and guaranteed payments (such as sign-on and loyalty bonuses) to performance-linked incentives for matches and goal contributions.

Contingency AI provides "Decision Intelligence" to help you model your club’s future by bridging the gap between scouting and finance. The platform predicts upcoming squad gaps by analyzing contract expiries and clause triggers months in advance, while also projecting how performance bonuses will impact your Profit and Sustainability (PSR/FFP) standing. Additionally, it identifies Market Opportunity Alerts, such as "forgotten" sell-on fees from past transfers, to surface unexpected capital windfalls that can be used to fund new signings.

Prove your ability to source the best opportunities

Show your player that you have access to all club requirements matching his profile in real-time as well as the ability to pitch him directly to decision makers globally.

illustration (12)

Get started with Logo - Colour - 3 

Everything your
CFO needs.
In one place.

Forecasting accuracy, 24-month confidence, no more surprises in the boardroom. Full visibility of every contingency, incoming and outgoing.