A football league team requires substantial financial resources to compete effectively due to the dramatic increase in operating costs in recent years. Many teams have struggled to produce sound financial statements, often attributed to poor management. To address this, a loan scheme could be beneficial for a football team to bridge the gap between the revenue received at the end of the season and expenses incurred at the beginning, potentially improving their overall quality. The credit risk of a football team can be assessed based on its team quality, which can be predicted by its final standings using Monte Carlo simulations. The final standing prediction with Monte Carlo Simulation will be one of the revenue factors for the installment. Incorporating this predictive model alongside other financial metrics, such as overall revenue and expenses, enables the calculation of suitable loan installments. It is important to note that installment values will vary across different groups of football teams due to varying revenue and expenses.