10-Ton Excavator Financing 2026: Medium Projects Guide
Finance 10-ton excavators for medium construction projects in Malaysia. 0% down payment, fast approval, and competitive rates for contractors.
Why 10-Ton Excavators? The Medium Project Sweet Spot
The 10-ton excavator occupies the ideal middle ground in Malaysia's construction equipment market. It's powerful enough for medium-scale projects yet compact enough for urban job sites where 20-ton machines can't access.
Typical 10-Ton Excavator Applications:
β’ Commercial building foundations (2-4 stories)
β’ Road and highway construction (sub-base preparation)
β’ Drainage and sewer projects (municipal scale)
β’ Residential development (cluster houses, condominiums)
β’ Industrial earthmoving (factory sites, warehouses)
β’ Pipeline installation (medium depth, long distance)
2026 Market Guide: 10-Ton Excavator Prices
New 10-Ton Excavator Prices (Malaysia)
| Brand & Model | Engine Power | Digging Depth | Price Range (New) | Monthly Installment* |
|---|---|---|---|---|
| Komatsu PC130-11 | 74 kW (99 HP) | 5.5m | RM320,000 - RM360,000 | RM4,300 - RM4,800 |
| Hitachi ZX130-6 | 69 kW (93 HP) | 5.6m | RM310,000 - RM350,000 | RM4,200 - RM4,700 |
| Kobelco SK130-11 | 71 kW (95 HP) | 5.5m | RM300,000 - RM340,000 | RM4,000 - RM4,600 |
| Doosan DX130L-5 | 74 kW (99 HP) | 5.4m | RM290,000 - RM330,000 | RM3,900 - RM4,400 |
| Volvo EC130E | 71 kW (95 HP) | 5.5m | RM340,000 - RM380,000 | RM4,600 - RM5,100 |
*Monthly installment based on 7-year term, 5.5% interest, 0% down payment.
Used 10-Ton Excavator Prices (2026)
| Age | Condition | Price Range | Financing Available |
|---|---|---|---|
| 1-3 Years | Excellent (Low Hours) | RM220,000 - RM260,000 | Yes (Up to 7 years) |
| 4-6 Years | Good (Moderate Hours) | RM160,000 - RM200,000 | Yes (Up to 6 years) |
| 7-10 Years | Fair (High Hours) | RM110,000 - RM150,000 | Yes (Up to 5 years) |
0% Down Payment: RM60,000+ Preserved Capital
Traditional Financing vs. 0% Down Payment
Scenario: RM330,000 Hitachi ZX130-6 (10-Ton)
Traditional Financing (20% Down Payment):
β’ Down payment required: RM66,000
β’ Financed amount: RM264,000
β’ Monthly installment (7 years, 5.5%): RM3,800
β’ Cash tied up immediately: RM66,000
0% Down Payment (Ing Heng Credit):
β’ Down payment required: RM0
β’ Financed amount: RM330,000
β’ Monthly installment (7 years, 5.5%): RM4,750
β’ Cash preserved: RM66,000
Use Preserved RM66,000 For:
- Hire 2-3 operators: RM15,000/month (4 months coverage)
- Fuel and maintenance fund: RM20,000 (6 months)
- Deposit for first project: RM30,000
- Marketing and business development: RM1,000
The RM66,000 Revenue Multiplier
Deploy preserved RM66,000 to generate revenue:
- Operator Costs Covered: RM6,000/month Γ 4 months = RM24,000
- Fuel & Maintenance Fund: RM8,000/month Γ 3 months = RM24,000
- Project Mobilization: RM15,000 (truck rental, logistics, site setup)
- Maintenance Reserve: RM3,000 (unexpected repairs)
Total RM66,000 fully deployed to support operations. Without 0% down payment, you'd drain working capital before earning first revenue.
10-Ton vs. Other Sizes: What's Right For You
| Factor | 6-8 Ton | 10-12 Ton | 20-25 Ton |
|---|---|---|---|
| Best For | Small commercial, residential | Medium commercial, municipal | Large infrastructure |
| Daily Rate | RM1,000-RM1,500 | RM1,500-RM2,000 | RM2,500-RM3,500 |
| Monthly Revenue | RM20,000-RM30,000 | RM30,000-RM40,000 | RM50,000-RM70,000 |
| Transport | 1 trailer (easy) | 1 trailer (standard) | 2-3 trailers (expensive) |
| Access | Urban sites OK | Most sites OK | Limited access |
| Operating Cost | Low (RM8K-12K/month) | Medium (RM12K-18K/month) | High (RM20K-30K/month) |
| Price Range | RM180K-220K | RM290K-380K | RM500K-750K |
10-Ton Sweet Spot: Balanced power, accessibility, and revenue. Ideal for contractors graduating from mini excavators but not ready for 20-ton+ infrastructure machines.
Approval Requirements: 10-Ton Excavator Financing
For Established Contractors
Minimum Requirements:
β’ CIDB Grade: Preferably Grade B or higher
β’ Business registration: 2+ years
β’ Annual revenue: RM500,000+
β’ Project pipeline: Confirmed contracts worth RM500,000+
Documents Required:
β’ SSM business registration
β’ CIDB certificate (Grade B or higher)
β’ Financial statements (2 years)
β’ Bank statements (12 months)
β’ Project contracts or letters of award
β’ Director's NRIC (front and back)
For Growing Contractors (Upgrading)
Minimum Requirements:
β’ CIDB Grade: C acceptable with proven track record
β’ Business registration: 1+ years
β’ Annual revenue: RM250,000+
β’ Project pipeline: Signed contracts or strong letters of intent
Additional Support May Include:
β’ History of completed projects (photos, client testimonials)
β’ Equipment you currently own (proof of capacity)
β’ Co-signer or guarantor (if strengthening application needed)
ROI: 10-Ton Excavator Profit Potential
Monthly Revenue Breakdown (Typical Usage)
| Project Type | Days/Month | Daily Rate | Monthly Revenue |
|---|---|---|---|
| Commercial Foundation | 15 days | RM2,000 | RM30,000 |
| Road Sub-Base | 5 days | RM1,800 | RM9,000 |
| Drainage/Sewer | 3 days | RM1,600 | RM4,800 |
| Total | 23 days | RM43,800 |
Monthly Expenses
| Expense Item | Monthly Cost |
|---|---|
| Installment (7 years, 5.5%) | RM4,750 |
| Operator Salary | RM3,500 |
| Fuel (150 hours/month) | RM9,000 |
| Maintenance & Repairs | RM3,000 |
| Insurance | RM800 |
| Total Expenses | RM21,050 |
Net Monthly Profit: RM43,800 - RM21,050 = RM22,750
Payback Period: RM330,000 Γ· RM22,750 = 14.5 months
After payback, the machine generates RM22,750+ monthly profit for remaining 6+ years of useful life.
Project Types: 10-Ton Excavator Specializations
1. Commercial Building Foundations
Typical Projects:
β’ Shop lots (2-4 units)
β’ Small office buildings
β’ Showrooms and warehouses
β’ Hotels (small to medium)
Revenue Potential:
β’ Shop lot foundation: RM15,000-RM25,000 per project
β’ Small office building: RM25,000-RM50,000 per project
β’ Warehouse foundation: RM30,000-RM60,000 per project
Why 10-Ton Works:
β’ Sufficient power for commercial depth
β’ Can access most urban commercial sites
β’ Fast enough for tight deadlines
2. Road & Highway Construction
Typical Projects:
β’ Residential road sub-base
β’ Drainage alongside roads
β’ Utility trenching (water, electricity, fiber)
β’ Small bridge excavation
Revenue Potential:
β’ Residential road (100m): RM8,000-RM15,000
β’ Drainage installation (per km): RM25,000-RM50,000
β’ Utility trenching (per km): RM20,000-RM40,000
3. Municipal Drainage & Sewer
Typical Projects:
β’ Residential area drainage
β’ Municipal sewer line installation
β’ Flood mitigation projects
β’ Pond and lake excavation
Revenue Potential:
β’ Residential drainage: RM10,000-RM25,000 per project
β’ Municipal sewer: RM30,000-RM80,000 per project
β’ Flood mitigation: RM50,000-RM150,000 per project
Real Contractor Success: 10-Ton Upgrade
From 6-Ton to 10-Ton: Revenue Jump
"Started 2021 with 6-ton Komatsu PC60. Residential work mostly. RM15,000-RM25,000 monthly revenue. Machine profitable but limited to small projects. 2023: upgraded to 10-ton Hitachi ZX130. Financed RM320,000 with 0% down. RM4,700/month. First 6 months: transitioned from residential to commercial. Shop lot foundations (RM20,000-RM35,000 per job). Road sub-base work (RM1,500-RM2,000 per day). Monthly revenue jumped to RM35,000-RM50,000. Net profit: RM20,000+ monthly. Machine paid in 16 months. 2024: added second 10-ton excavator. Both fully utilized. Monthly revenue RM80,000+. 2025: expanded to 20-ton excavator for large infrastructure. Fleet now: 1Γ20-ton, 2Γ10-ton, 1Γ6-ton. Monthly revenue RM180,000+. All started with 0% down payment on 10-ton upgradeβpreserved RM64,000 used for hiring and operations. That RM64,000 bought 6 months of runway to build commercial client base."
β Tan Wei Liang, Civil Contractor (Penang)
Why Finance 10-Ton with Ing Heng Credit
1. Medium Project Specialists
We understand contractors working on commercial and municipal projects:
β’ Grade B CIDB contractors approved
β’ Growing businesses upgrading from smaller machines
β’ First-time 10-ton buyers supported
β’ Project pipeline assessment flexible
2. 0% Down Payment
Preserve RM60,000+ working capital:
β’ No down payment required
β’ Full amount financed
β’ Deploy preserved capital to operators, fuel, mobilization
3. Competitive Rates
Best rates for 10-ton excavators:
β’ From 5.5% interest annually
β’ Terms up to 7 years
β’ Early settlement options available
4. Fast Approval
Start working in 48 hours:
β’ Approval in 24-48 hours
β’ Documents via WhatsApp
β’ Direct payment to dealer
5. Used Equipment Financing
We finance used 10-ton excavators up to 10 years old:
β’ Banks often reject 7+ year old equipment
β’ Used machines cost 40-50% less
β’ Faster equity building
Ready to Upgrade to 10-Ton?
The 10-ton excavator represents the ideal upgrade path for contractors ready to move beyond residential work into commercial and municipal projects. With 0% down payment financing, you preserve the working capital needed to hire operators, cover fuel, and mobilize for larger contracts.
Whether you're upgrading from mini excavators or expanding your fleet, we'll structure financing that matches your project pipeline and cash flow.
Join 4,000+ businesses who have trusted Ing Heng Credit since 1985.
Finance 10-Ton Excavator with 0% Down
Get approved in 48 hours. Preserve RM60,000+ working capital. Flexible terms for medium projects.
Contact: +60175700889 (WhatsApp) | 03-3324 8899 (Phone)