# 1-Year Business Equipment 2026 Business operating 1 year? Equipment financing available with 12-month track record in 2026. ## 1-Year Business Position **Better Than Startup:** - 12 months operation proven - Full year financial data - Seasonal patterns visible - Client base established - **Higher approval than 6-month** ## 2026 1-Year Approval **Improved Terms:** - 60-80% approval rate - 5-15% down payment - 4.8-5.8% interest - 4-6 year terms - **Better than startup rates** ## Real 1-Year Approvals **Case:** Construction - 12 months **Need:** Excavator **Financing:** RM 180,000, 5% down **Approved:** 48 hours ## 1-Year Documentation **Required:** - 12 months bank statements - Year-end revenue summary - Client list - **Proves viability** ## Get 1-Year Equipment Business 1 year old? Apply for improved equipment financing terms. --- **Less than 1 year?** See [New Company Equipment](/blog/new-company-equipment-2026-startup).