# 100% Equipment Financing 2026 - Full Amount Malaysia Need 100% equipment financing? Full loan amount available in 2026 with zero down payment. ## What is 100% Equipment Financing? 100% Financing means: - Full equipment price financed - RM 0 down payment - Including accessories and registration - Complete on-the-road cost covered ## 2026 Bank vs 100% Financing | Feature | Bank (80-90%) | Ing Heng (100%) | |---------|---------------|-----------------| | **Down Payment** | RM 18,000-36,000 | RM 0 | | **Loan Amount** | RM 162,000-144,000 | RM 180,000 | | **Cash Needed** | High upfront | RM 0 | | **Equipment Price** | RM 180,000 | RM 180,000 | | **Approval Rate** | Lower | Higher | ## Real 100% Financing Example **Komatsu PC200 Excavator** **Price:** RM 180,000 **Bank Financing (90% max):** - Down payment: RM 18,000 - Loan: RM 162,000 - Need RM 18k cash upfront **Ing Heng 100% Financing:** - Down payment: RM 0 - Loan: RM 180,000 - **Full amount financed** **Monthly Comparison (5 years):** - Bank: RM 3,240/month - Ing Heng: RM 3,600/month - Difference: RM 360/month for RM 18k cash savings ## What's Included in 100% Financing? **Full Equipment Cost:** 1. **Base Equipment Price** - Excavator/lorry/forklift cost - Manufacturer price - Full invoice amount 2. **Accessories** - Buckets and attachments - Additional features - Optional equipment 3. **Registration Costs** - JPJ registration - Road tax - Insurance first year - Number plates 4. **Delivery** - Transportation cost - Setup and commissioning - Training (if provided) ## Equipment Eligible for 100% Financing **All Equipment Types:** **Construction:** - Komatsu, CAT, Hitachi excavators - Backhoes, loaders - Any brand, any age **Logistics:** - ISUZU, FUSO, HINO lorries - Prime movers - Trailers and trucks **Warehouse:** - Toyota, TCM, Komatsu forklifts - Stackers, reach trucks - Any warehouse equipment ## 100% Financing vs 90% Financing **Example: RM 200,000 Excavator** | Aspect | 90% Financing | 100% Financing | |--------|---------------|----------------| | **Down Payment** | RM 20,000 | RM 0 | | **Loan Amount** | RM 180,000 | RM 200,000 | | **Monthly (5yr)** | RM 3,600 | RM 4,000 | | **Total Interest** | RM 36,000 | RM 40,000 | | **Cash Preserved** | RM 20,000 | RM 20,000 | | **Opportunity Cost** | Lost | Saved | **Key Insight:** Pay RM 400/month extra to keep RM 20,000 cash for business operations. ## 2026 100% Approval Criteria **We Look For:** 1. **Equipment Value** (40%) - Good brand - Fair price - Resale value - Condition 2. **Business Viability** (35%) - Strong cash flow - Regular income - Project contracts - Growth potential 3. **Repayment Capacity** (25%) - Monthly payment ability - Income stability - Budget planning - Emergency fund ## Documentation for 100% Financing **Required Documents:** 1. **Business Documents** - SSM registration - Business license - 6 months bank statements 2. **Equipment Info** - Proforma invoice - Equipment details - Seller information 3. **Repayment Proof** - Current contracts - Invoice copies - Future work pipeline 4. **Director Details** - NRIC copies - Basic information - Contact details ## 100% Financing Benefits 2026 **Advantages:** 1. **Preserve Cash Flow** - Keep RM 20k-50k in business - Use for operations, marketing, hiring - Emergency fund available 2. **Start Immediately** - No saving for deposit - Instant equipment acquisition - Start earning revenue 3. **Complete Package** - All costs included - No hidden expenses - Full setup covered 4. **Flexible Terms** - 3-7 year repayment - Competitive interest - Early settlement OK 5. **Any Equipment Age** - New or used - Any brand - Any condition ## Real 100% Financing Cases **Case 1: Excavator 100% Financed** **Situation:** - Contractor with RM 10k cash - Need Komatsu PC200 (RM 180k) - Bank requires 10% down (RM 18k) **100% Financing:** - Down: RM 0 - Loan: RM 180,000 - Monthly: RM 3,600 - Result: Equipment operational **Case 2: 3 Forklifts 100% Financed** **Situation:** - Warehouse expansion - 3 Toyota forklifts (RM 135k total) - Limited working capital **100% Financing:** - Down: RM 0 - Loan: RM 135,000 - Monthly: RM 2,700 - Result: Expansion completed **Case 3: Lorry 100% Financed** **Situation:** - New logistics business - ISUZU lorry (RM 120k) - Only RM 5k savings **100% Financing:** - Down: RM 0 - Loan: RM 120,000 - Monthly: RM 2,400 - Result: Business started ## 100% vs 90% vs 80% Comparison **RM 150,000 Forklift - 5 Year Term** | Financing % | Down Payment | Loan Amount | Monthly | Total Interest | |-------------|--------------|-------------|---------|----------------| | **80%** | RM 30,000 | RM 120,000 | RM 2,400 | RM 24,000 | | **90%** | RM 15,000 | RM 135,000 | RM 2,700 | RM 27,000 | | **100%** | RM 0 | RM 150,000 | RM 3,000 | RM 30,000 | **Decision Factors:** - Cash available for down payment? - Monthly payment capacity? - Business cash flow needs? - Opportunity cost of cash? ## 100% Financing Interest Rates 2026 **Competitive Rates:** | Loan Amount | 3 Years | 5 Years | 7 Years | |-------------|---------|---------|---------| | RM 50,000 | 5.0% | 5.5% | 6.0% | | RM 100,000 | 4.8% | 5.2% | 5.8% | | RM 200,000 | 4.5% | 5.0% | 5.5% | | RM 500,000 | 4.3% | 4.8% | 5.2% | **Factors Affecting Rate:** - Equipment age and brand - Business strength - Loan term - Credit profile ## Bad Credit 100% Financing **Possible with Ing Heng:** **Situation:** - CCRIS score: 580 - Bank rejected 100% request - Need equipment urgently **Our Solution:** - 100% financing available - Focus on equipment value - Income-based approval - 48-hour decision **Result:** Equipment financed despite credit issues ## 100% Financing for Used Equipment **Banks won't finance:** - Used equipment 100% - Usually require 20-30% down **Ing Heng offers:** - 100% for used equipment - Up to 10 years old - Any brand - Same terms as new ## 100% Financing for Startups **Challenge:** - New business (6 months) - No audited accounts - Limited track record **Banks:** - Require 20-30% down payment - 2+ years operation - Strong collateral **Ing Heng 100%:** - 0% down payment - 6+ months operation OK - Equipment as collateral - Fast approval ## 100% vs Operating Lease **100% HP:** - Ownership at end - Build assets - Depreciation benefit - Higher monthly **Operating Lease:** - No ownership - Lower monthly - Tax deductible - Return equipment **Choose 100% HP if:** - Long-term use (5+ years) - Want ownership - Build business assets ## 2026 100% Financing Tips **Tip 1: Show Strong Cash Flow** - Regular income proof - Project contracts - Consistent bank statements - Future pipeline **Tip 2: Choose Right Equipment** - Popular brands - Good condition - Fair price - Resale value **Tip 3: Plan Repayment** - Realistic monthly budget - Emergency backup plan - Income sources identified - Payment schedule prepared **Tip 4: Be Responsive** - Fast communication - Complete documents quickly - Available for calls - Prompt decisions ## Common 100% Financing Questions **Q: Is 100% really no deposit?** A: Yes, RM 0 down payment. Full equipment cost financed. **Q: What's the catch?** A: Slightly higher monthly payment, but preserve cash flow. **Q: Used equipment 100% OK?** A: Yes, any age equipment 100% financing available. **Q: Bad credit 100% possible?** A: Yes, focus on equipment value and repayment capacity. **Q: How fast approval?** A: 48-72 hours for 100% financing. ## Get 100% Financing Quote Need full equipment financing? Contact Ing Heng for 100% loan assessment with zero down payment. --- **Compare options:** See [Hire Purchase Guide](/blog/hire-purchase-2026-complete-equipment-guide-malaysia).