Mike Bailey, CAVA Finance 0161 222 9599

It wasn’t too long ago that we were in an uncertainty about the future of Bury FC due to insolvency and in turn, fans formed Bury AFC. So, it is great to see only two and a half years later, how well they are doing. 

With a home win of 4-0 against St Helens Town, they have achieved promotion in their first full season. Being crowned Champions of the North West Counties Division One North is a historic moment for the club.  

After only losing one game all season, Andy Welsh, the manager, is “absolutely buzzin” with the triumph for Bury AFC. 

You can watch the highlights from the winning game here :
WE WON THE LEAGUE | VS ST HELENS (H) 27 March 2022 | Match Highlights | Bury AFC 


News, Uncategorized
At the beginning of March, Bury AFC fans organised a raffle at the Bury AFC versus AFC Darwen game, at The Neuven Stadium Radcliffe. They did a fantastic job of raising over £4000 in the gazebo situated outside of the ground, the government matched the money raised, meaning the total was over £8000. All proceeds of this raffle have gone towards supporting the people of Ukraine. 

We had some amazing prizes for the raffles donated by some very generous people. Some of the prizes included: 

Season ticket for 2022/23 for Bury AFC. Kindly donated by one of our sponsors, S&S Northern 
Play station 4. Kindly donated by our very own Jimmy Moore 
Two hospitality tickets for Bury AFC v Pilkington 
£50 voucher to spend at Di Niro’s restaurant, Sunnybank. Kindly donated by Claire Balesi 
Meal for 4 at a Bury AFC game at the Grill Catering Food Van. Kindly donated by Owen Bibb 
Golf round for 4 at Pike Fold Golf Club 
£100 Asda voucher. Kindly donated by Nigel and Sheila Howard

Hints & Tips, News

As environmental pollution is becoming a growing concern, the government are starting to introduce more restrictions for vehicles to create “Clean Air Zones”, usually based in and around city centres. If your vehicle exceeds emission standards, you will be charged daily to drive through these “Clean Air Zones”.

Currently, there are four different types of Clear Air Zones, each targeting different vehicles.

  1. Class A – Buses, Coaches and Private Hire Vehicles,
  2. Class B – Buses, Coaches, Taxis, Private Hire Vehicles and HGVs
  3. Class C – Buses, Taxis, Private Hire Vehicles and HGVs
  4. Class D – Buses, Coaches, Taxis, Private Hire Vehicles , HGVs, LGVs and cars.

Currently, the majority of Clear Air Zones to be implemented are going to be Class D with the exception of a few cities.

There are some exemptions from these Clear Air Zones, but these will vary across the cities.


What are the emission standards?

To travel within a Clean Air Zone without charge, your vehicle must be compliant with the emission standards. 

Currently, if your vehicle is running on petrol, then it must be at least a Euro 4 emission standard compliant (registered after January 2006).

If your vehicle is a diesel, then it must be Euro 6 emission standard compliant (registered after September 2015)

If your vehicle comes under the targeted category in your city and isn’t compliant with these standards, you will be charged daily.


Clean Air Zone Cities

Cities that already have Clear Air Zones are:

London – London is an Ultra Low Emission Zone and operates 24 hours a day 7 days a week, except for Christmas day

Portsmouth – Portsmouth Clean Air Zone has only recently started in November 2021 and is a Class B Zone

Bath – Bath has been a Class B Zone since it started in March 2021

Birmingham – Birmingham kicked off their Class D Clean Air Zone on 1st June 2021

Cities to get Clean Air Zones are:

Manchester – Manchester will introduce their first phase 30th May 202, with the second phase starting on 1st June 2023

Oxford – A Zero Emission Zone will start in Oxford in February 2022

Dundee – Dundee will introduce a Class C Clean Air Zone on 30th May 2022

Edinburgh – 31st May 2022 will see the start of Edinburgh’s Class C Air Zone

Aberdeen – Aberdeen’s Class C Air Zone will also come into place in May 2022

Newcastle – Newcastle was set to start their Class C Air Zone in January 2021 but due to complications, it has now been set back to the summer of 2022 with no official date set.

Sheffield – Sheffield also do not have a date set but will be expected to bring in their Clear Air Zone at the end of 2022


How much will I be charged?

The amount you pay for these charges will depend on your vehicle type, and the city you are in.


Cost per day for HGVs, buses and coaches: £100

Cost per day for taxis: £12.50

Cost per day for regular passenger cars: £12.50

Portsmouth –

Cost per day for HGVs, buses and coaches: £50 (est)

Cost per day for taxis: £10 (est)

Cost per day for regular passenger cars: £10 (est)


Cost per day for HGVs, buses and coaches: £100

Cost per day for taxis: £9

Cost per day for regular passenger cars: £0


Cost per day for HGVs, buses and coaches: £50

Cost per day for taxis: £8

Cost per day for regular passenger cars: £8


Cost per day for HGVs, buses and coaches: £60, vans £10 (est)

Cost per day for taxis: £7.50 (est)

Cost per day for regular passenger cars: £0


Cost per day for HGVs, buses and coaches: £2, £4 or £10

Cost per day for taxis: £2, £4 or £10

Cost per day for regular passenger cars: £2, £4 or £10


Cost per day for HGVs, buses and coaches: £60

Cost per day for taxis: Unknown

Cost per day for regular passenger cars: £60


Cost per day for HGVs, buses and coaches: £60

Cost per day for taxis: Unknown

Cost per day for regular passenger cars: £60


Cost per day for HGVs, buses and coaches: £60

Cost per day for taxis: Unknown

Cost per day for regular passenger cars: £60


Cost per day for HGVs, buses and coaches: £50 (est)

Cost per day for taxis: £12.50, vans also £12.50 (est)

Cost per day for regular passenger cars: £0


Cost per day for HGVs, buses and coaches: £50 (est)

Cost per day for taxis: £10, vans and lorries also £10 (est)

Cost per day for regular passenger cars: £0

Bradford –

Cost per day for HGVs, buses and coaches: £50 (est)

Cost per day for taxis: £12.50 (LGVs and minibuses £9) (est)

Cost per day for regular passenger cars: £0

Bristol –

Cost per day for HGVs, buses and coaches: £100

Cost per day for taxis: £9

Cost per day for regular passenger cars: £9

Which vehicles are exempt?

There are some vehicles which are exempt from the charge, some of these exemptions are national and others are based locally.

National exemptions include:

  • a vehicle that’s ultra low emission
  • a disabled passenger tax class vehicle
  • a disabled tax class vehicle
  • a military vehicle
  • a historic vehicle
  • a vehicle retrofitted with technology accredited by the Clean Vehicle Retrofit Accreditation Scheme (CVRAS)
  • certain types of agricultural vehicles

You can check with your local authorities to find out more exemption rules near you




We all know how much Mike loves his sports, whether it’s watching Bury AFC, out on the golf course or playing a game of cricket, Mike loves to get involved. After not being able to play as much in 2020 due to lockdown, Mike was happy to be back and just starting to get back into the swing of things. At the beginning of August during a cricket match, he was hit on the forearm with a cricket ball which resulted in a broken arm and being in a cast for a 8 weeks. Unfortunately for Mike, this meant he had to take some time out, again!

So it is great news that after 8 long weeks in a cast, and another few weeks on top of that to get his arm back moving and recovered, Mike has finally made his return to the golf course. On the 24th November he finally played his first round of golf in the Wednesday Roll Up competition.

It might not have been Mike’s best performance but he had a great day catching up with everyone and sneaking in a pint after the game. Let’s hope he can start making a full return soon!


News, Uncategorized

At the end of November, Bury AFC (The Shakers community) were collecting new or unused toys for their Christmas Toy Appeal, as well as foodbank donations for Bury VCFA. They had a gazebo where you could make donations at Bury Market, where they managed to collect 20 bags of food and toys. The gazebo was also located in the carpark at The Neuven Stadium on 28th November prior to the match, where another 40 bags of food and toys were donated!

Amazing work by everyone who organized and donated 👏


Hints & Tips, News

In early April we saw the launch of the Recovery Loan Scheme, designed to financially support UK businesses in accessing asset finance, aiding recovery and growth in the midst of the pandemic. There’s still plenty of time to take advantage of the scheme, which will be running till December, subject to review.


Providing it’s for legitimate business purposes, the loan can be used for a range of growth enhancing reasons, from supporting cashflow to investment or finance.


How does the RLS work?


It works by allowing businesses to access products with better terms from lenders, without the need for a Government backed guarantee.


The minimum funding for an asset finance that can be applied for per business is £1000, with the maximum at £10M. This is of particular interest for CAVA Finance’s clients as one of the types of funding available is Asset Finance.


The scheme is available for Start Ups, Sole Traders Limited Partnerships, CICs and LLPs. However, there may be more suitable loans available outside of the RLS for certain types of businesses.


Does my business Qualify?


The eligibility criteria for the scheme is briefly outlined below, with further eligibility checks, such as a credit check, carried out by lenders;


  • Have a viable business proposition – lender’s will use their discretion surrounding recent business performance given the impact that Covid-19 has had on businesses and cashflow
  • Must be trading in the UK and generate more than 50% of it’s turnover from UK trading activity
  • Be able to confirm that your company has been impacted by Covid-19


How can CAVA Finance help?



CAVA Finance has longstanding relationships with a range of competitive funders and can assist in providing the Recovery Loan Scheme.


Even if you’ve taken advantage of the previous Government loan schemes on offer last year to support businesses during the pandemic, such as the CBILS, BBLS or CLBILS grants, you are still able to apply for the RLS, providing you meet the required criteria.


It’s important to note however, that contrary to the previous loan schemes mentioned above, the Government will not pay the interest for the first 12 months of the RLS. Interest rates are lender dependant and subject to credit status of the applicant.


The loan can be used for any legitimate business purpose, which includes purchasing necessary equipment, assets or vehicles, hiring staff or managing cashflow.


You may also find that your lender is able to offer a better rate and more favourable terms under a different product, which they will offer you if eligible.


If you have any queries relating to the RLS or any other topics around future finance for vehicles or assets, please don’t hesitate to get in touch, CAVA Finance has and will continue to remain fully operational during the pandemic.


With everything that’s been going on recently it almost slipped our minds that today is CAVA’s 10th Birthday!

That’s a whole decade of helping businesses obtain finance for vehicle and asset purchases and an impressive 38 years of experience in the industry from Mike Bailey.
Whilst the past year has been a strange one, with ups and downs for a lot of the sectors CAVA Finance serves, we have continuously stood by the traditional CAVA method of a personal approach to provide our competitive, bespoke services.
We’d like to thank our loyal clients and associates for all your support over the last 10 years, we’ve made some long standing business relationships and of course friends during this time and look forward to what 2021 has in store…
What a brilliant milestone to reach, Happy Birthday CAVA Finance!

Commercial, News

Covid 19 has certainly impacted the motor industry as a whole, with some sectors which rely heavily on vehicle use suffering more than others. CAVA Finance has seen first-hand the detrimental impact this has had, in particular on the private hire industry. With coach, minibus and taxi firms seeing disruption to their usual service levels due to lack of holiday travel, events and commuters.


We were intrigued to see if any other areas in which CAVA Finance supports, have had a different experience throughout the last year and so have explored how the pandemic has impacted those using commercial vehicles.


Whilst transport services are of course essential, with schools closed, travel banned and people working from home, there has been an impact on demand and need for these services.


However, we’ve seen a huge increase in digital economy during 2020, in light of the ‘Stay Home’ rule. With the majority of shops closed, consumers have been opting for online shopping and as a result home delivery services have soared.


Restaurants and small businesses have been able to stay afloat by offering an alternative way to provide for their customers, whether that’s via pre-packaged meal kits or takeaway delivery services.


Forbes are predicting that this won’t be a temporary shift in behaviour and that our online buying habits will continue, as will the demand for high quality delivery services.


How did 2020 impact delivery services?


As with many industries facing huge changes, delivery services struggled at the start of lockdown with changes to demand, staff shortages and new restrictions.


2020 saw millions of consumers changing their purchasing habits due to shop closures and as such the demand for home delivery soared. Companies such as Ocado saw a 1000% increase in website traffic and third-party delivery services such as Deliveroo have further capitalised on the market.


But it wasn’t just food that dominated deliveries. Our love of online shopping has been a growing trend for the past few years, with research from Mintel showing a 12% increase in courier and delivery sales from 2018-2019, a 62% increase since 2014 and currently exceeding a worth of £12Bn for the UK economy.


Business to Consumer accounts for around 65% of the delivery market at present and this is predicted to increase to 78% by 2024. It’s an increasingly competitive market, dominated by big name players such as Amazon Logistics, Hermes and DPD but that’s not to say that that smaller logistics companies and couriers haven’t reaped the benefits of increased demand.


Real Life Insights


We reached out to our contacts in the industry to discover more about their experience of 2020 and what challenges and opportunities the impact of Covid 19 had brought on.


Caroline Downing, Director of All 4 Logistics Ltd shared her views with CAVA Finance. The company runs a commercial road transport freight operation, predominantly transporting manufacturing goods for the automotive and aerospace industries.


They have a substantial fleet and have seen new doors open for them during the pandemic. With 2020’s UK car production hitting the lowest level since 1984 and restrictions on travel, All 4 Logistics Ltd turned their attention to assisting clients with moving Covid related products and equipment for the health sector. Caroline shared her perspective on the last year and how this has impacted the Logistics company.

“Changes and unexpected events, problems or challenges can – and do – often occur, regardless of how well-planned or organised you are. The ability to respond effectively to pressure and stress is therefore extremely important in any line of work.


Covid and Brexit presented hurdles within the logistics industry few were prepared for, however as a small business owner it is essential to accept your limitations and focus on your companies attributes that can sustain business during this uncertain economic climate.

We regrouped, refocused and reenergized, staff including myself have taken courses from customs administration to health and safety management. We self audited to insure we were working as efficiently as possible and that our customer service remained paramount.

A company is an organic being and if nurtured will survive, I continue to take resolution in seeing members of the UK&EU business world support each other and I am sure despite everything that has been placed in our way in 2020/2021 hard work will prevail.”


CAVA Finance also spoke with Rob Howell, Owner of ParcelFast which has been providing reliable urgent delivery services since 2013.


For ParcelFast, Covid presented the initial challenges which many businesses faced, concerns over how closures of businesses would impact on suppliers being able to provide usual services. 

However, Rob has seen changes in demand in particular to their confidential and documentation delivery services.

“Many companies are requiring documents electronically as people are working at home or doing meetings via video link, so the demand to get bundles of paperwork delivered has stopped.”


The pandemic has given Rob the opportunity to increase his marketing activity and as a result, he found he was able to explore other avenues and help people with moving items.

“I have had more time to look for opportunities posted on social media for people wanting things moving, and getting a lot of these jobs due to my reviews and value for money pricing.


Whilst I have seen an increase in this type of work, along with people needing help to move things from house to house or between families, my normal work (pre-CV19) has dropped off, but this has created a balance that has meant the company has still been able to continue operating.”


ParcelFast drove forward with community spirit and realised the need for more reliable and flexible services for vulnerable people or those without transport.

“I was able to introduce a socially distanced ‘click & collect’ service where you could order your grocery shopping, or any other purchase that you could buy online and I would go to collect and deliver it on your behalf.


This is an essential service for people who are shielding, or have no one they can rely on to get their shopping, or to people who, through choice, don’t want to go out and queue for ages to get into supermarkets etc.


I offered this service at a considerably discounted rate to my normal pricing structure and still 12 months on I am doing some ‘click & collects’ for people. It was a really good idea to introduce and was taken up by a lot of people in the early stages of lockdown.”

What are the biggest challenges to maintain a quality delivery service and what trends can we expect this year?


It’s predicted that the rapid growth we saw during 2020 will continue but at a slower rate. Customer expectations in the B2C market are high and after last year it’s looking like they’re about to set the foundation for the future of the industry.


Parcel shop networks are becoming increasingly popular amongst small businesses to provide a range of delivery options. In addition, there is more focus on greener delivery options such as specially designed collection depots, cargo bikes and lockers.


Couriers and logistics companies will be striving to set themselves apart from the competition in the following areas;


  • Faster delivery

  • Convenience and choice

  • Up to date tech / real time updates and GPS tracking

  • Increased reliable fleets

  • Sustainability


Could now be the perfect time for you to expand your fleet and position yourself a step ahead of your competition? If you would like to discuss your requirements for a commercial vehicle, you require any impartial, no obligation advice, or if you’re considering your finance options but don’t know where to start, please get in touch.


You can call Mike on 0161 222 9599 or use our contact form and he’ll be happy to discuss your needs.



It’s no secret that outside of his hard work, Mike drives a good game of golf.



With courses once again opening up, he was one of the first out on the green at his local club as it re-opened on the 29th of March.


It’s been a couple of weeks and he’s well and truly back into the swing of things! During the first lockdown you might remember that Mike had been taking some coaching lessons at Golf Rossendale Driving Academy in a bid to get his handicap down to 18.


With restrictions coming and going over the last year, coaching was put on hold but Mike has been enjoying getting back out at his local club Greenmount Golf Club in Bury.


Despite a couple of days of snow this month and an inspection of the course, Mike has been getting out and about as much as he can to make up for lost tee time!


What are you most looking forward to doing again once more restrictions are eased?



Last week the European Public Health Alliance voiced its concerns over vehicles producing toxic air levels. This comes at a time when the first city outside of London recently introduced a congestion zone.


On the 15th of March, Bath became the first city outside of the Capital to begin charging high polluting commercial vehicles for travel within the city centre. However, the EPHA is calling for cities across the UK to place tighter restrictions and bans for the worst offenders, in a bid to clamp down hard on the highest polluting vehicles.


The current restrictions are aimed at commercial vehicles, including buses, taxis and HGVs, which do not meet the current required emissions standards. This means if they are looking to travel to the city centre, a daily charge is applied. Currently personal use vehicles and motorbikes are exempt.


Even during lockdown with travel restrictions and less commuting, the city regularly saw pollution levels exceeding the legal limits for NO2.


Birmingham will soon be following suit with a Clean Air Zone being introduced from June 1st, followed by Bristol in October. Other UK cities such as Manchester, Sheffield, Newcastle and Leicester look to be rolling out their CAZ policies later this year or early 2022.


The introduction of daily charges of course impacts companies, particularly in the private hire sector, who rely on fleets of vehicles and unrestricted travel. Whilst travel is still permitted in the CAZ, charges range from around £10 per day for LCV and private hire to between £50-100 for buses and coaches. This will impact revenue for an industry already struggling to get back on it’s feet following the pandemic but simultaneously will provide a more sustainable future for transport.


There are however several Government or Local Authority schemes which would provide local authorities with funding to support affected businesses and to aid fleet operators to modify and upgrade their vehicles to confirm with current legal emissions standards.


In addition, some areas are proposing incentivised policies for electric or hybrid taxis in a bid to encourage operators to invest in low emission, sustainable and environmentally friendly vehicles.


We recently wrote in detail about the changes which have been put in place since the announcement for Ultra Low Emission Zones and the increasing popularity of Electric Vehicles, which you can read more on here.


Are you in an area which has introduced a low emissions zone? If not, what are your thoughts on these proposals?


If you’re looking to expand your fleet ahead of changes in regulations and want to discuss sustainable, electrical transportation options, please get in touch and we can work with you and your finance requirements as well as introduce you to a trusted supplier.