How do we lose 2.4 million if that is the deal we have agreed. Your maths are suspect but your logic is even worse.
I really can't be arsed going through it again but you seem a bit pig headed. Ask yourself a couple of questions. Do you think the club would prefer the cash upfront? Then ask yourself why? If they had to go to a bank to borrow the full amount, would the bank just give them the money without asking for interest? Then ask why the bank would ask for interest?