Mike Scully - Managing Director on why The Endless Money Loop is vital to Athletic Departments

Fort Myers, FL 

October 30, 2025

Baycrest Consultants is changing the game for college athletics with its new “Endless Money Loop” strategy—turning coach pay from a cost into a long‐term asset. 

🏈  What Is the Endless Money Loop? 

· Coaches defer a portion of salary/bonus and it’s recharacterized as a “loan” from the school 

· University uses those dollars to fund a split‐dollar life insurance policy on the coach 

· Cash value grows tax‐deferred; death benefit is shared—and the school builds an on-balance-sheet asset 

⚖️ Win-Win Benefits 

For Coaches: 

· Slash taxable income in peak earning years 

· Tap policy cash value tax-free after just 90 days for liquidity or retirement savings 

For Athletic Departments: 

· Convert deferred payroll into a retrievable asset (recoup investment in ~15 years or upon passing) 

· Potentially boost net revenues and offset excise taxes on high-paid staff 

· Strengthen recruiting & retention in the “arms race” for top coaching talent

· Place Coaches buyout in the plan and recoup all funds if separation occurs 

📈 Real-World Impact 

A Power-Five program deferring 20% of a $4M coach’s comp over 5 years could generate $4M+ in net asset value over 15 years. 

Ready to flip the script on escalating coaching salaries? 

Reach out to Mike Scully for a free consultation: mscully@baycrestconsultants.com 

#CollegeAthletics #FinancialInnovation #CoachCompensation #BaycrestConsultants #EndlessMoneyLoop