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Clever finance solutions are the way forward for football fans

Fans of Tottenham Hotspur celebrate during the Tottenham Hotspur UEFA Europa League trophy parade. (Photo by Leon Neal/Getty Images)

Another Premier League season is underway, and it is a reminder that the world has changed, hopefully for the better.

The Tottenham Hotspur Stadium operates a fully cashless policy across the venue, including for food, drinks, merchandise, and other purchases within the stadium and its surrounding campus areas like the Tottenham Experience. This has been in place since the stadium’s opening in 2019 to improve the speed of service and hygiene.

In the modern era of the Premier League (post-2010 developments), clubs have increasingly invested in state-of-the-art stadiums to boost revenues, reduce reliance on broadcasting deals, and enhance commercial opportunities.

These projects are primarily self-funded through club-generated income, debt financing, sponsorships, and owner equity, with limited public subsidies focused on wider regeneration rather than direct stadium costs.

Central Premier League payments, ranging from £109.7m to £175.9m per club last season, provide a key financial backbone, enabling clubs to service debts and invest in infrastructure.

Overall, clubs aim for a 14% average capacity increase across the league to grow match-day income, which currently accounts for about 17% of total revenues but could rise with upgrades.

Accepted Payment Methods

All major contactless debit and credit cards
Mobile payments such as Apple Pay and Google Pay

No cash is accepted anywhere on-site, so plan accordingly if attending a match, concert, or event. Some nearby pubs outside the stadium may still take cash, but the venue itself does not. Consequently, Visa card on Eneba is a forward-thinking of fans planning events at this and, indeed, other stadium events.

At Spurs, we were financed primarily through internally generated cash flow (from commercial deals and TV revenues) and long-term debt at low rates (around 2.79%). A mix of private investment and bank loans covered the build, with no major public funds directed at the stadium itself—though £27m in grants supported North Tottenham regeneration.

In October 2025, majority owners ENIC injected £100m in equity to bolster finances and “long-term sporting success,” amid ongoing debt servicing from the project’s £1B+ cost. This has enabled £103m annual match day revenue, helping the club remain competitive without wage inflation.

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