League One Bury have been placed under a transfer embargo by the Football League.
The embargo was imposed after the club took out a short-term loan with the Professional Footballers' Association.
They are confident of paying it back in full and on time by mid-January.
"All businesses experience cash-flow problems and we're no different to anyone else," commercial director David Manchester told BBC Radio Manchester.
"December is traditionally not a brilliant month for attendances.
"Our attendance on Saturday [against Leyton Orient] was just over 2,100 and we've only got one more league game at home before January - on 21 December against Shrewsbury Town."