Sporting Marvels requires a fleet of vehicles for its team of positive Christian role models. Without vehicles we cannot fulfil our function in the communities, schools and churches of Rhondda. Vehicles are a must for Sporting Marvels and have never been a problem during our seven year existence. In the past we have leased our vehicles on contract hire. This has allowed us to take delivery of new cars and to rent them on a monthly basis. The 2008 banking crisis initiated a change in lending criteria for the finance industry. Because we are a small charity which does not make a profit, we are considered a bad risk. This is the case despite having had 31 leased vehicles and made every one of 624 monthly payments on time and in full!! Last summer four Citroen C2’s went back with us being able to replace just one. In the first four months of 2010 we have another five vehicles due to go back. Without transport, the Marvels cannot function. It appears the only option is to buy rather than lease. But that requires capital if buying outright or borrowing for HP purchase. We won’t borrow as we don’t think that it’s appropriate for Sporting Marvels. Our preferred choice now therefore is that we buy a quality used car for £3-4000, paying for it in full. To do this, we need to have sufficient sums of money available over and above our normal running costs. Five cars will cost £17500.