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A large group of players owned by one club but loaned out to others, sometimes dozens at a time. Chelsea at their peak had 40+ players out on loan. The logic: develop youngsters, maintain asset value, collect loan fees, maybe find a gem. Critics say it hoards talent and blocks pathways at other clubs. New rules have been introduced to limit it.
Chelsea's loan army at its peak included over 40 players spread across European leagues - players like Mason Mount thrived and returned, while dozens of others never played a first-team minute but generated income through successive loans before eventual sales.
Robbie
Jan 17, 2026
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