20-Ton Excavator Financing 2026: Large Infrastructure Projects
Complete guide to financing 20-ton excavators for large infrastructure projects in Malaysia. 0% down payment, extended terms, and fast approval available.
Why 20-Ton Excavators? Large Project Powerhouse
The 20-25 ton excavator class is the workhorse of Malaysia's large infrastructure projects. From highway construction to mass rapid transit development, these machines deliver the power, reach, and capacity needed for government infrastructure and commercial megaprojects.
Typical 20-Ton Excavator Applications:
β’ Highway and expressway construction
β’ Mass rapid transit (MRT/LRT) excavation
β’ Large-scale earthmoving (housing developments, townships)
β’ Dam and reservoir construction
β’ Industrial park development
β’ Mining and quarry operations
2026 Market Guide: 20-Ton Excavator Prices
New 20-Ton Excavator Prices (Malaysia)
| Brand & Model | Engine Power | Digging Depth | Price Range (New) | Monthly Installment* |
|---|---|---|---|---|
| Komatsu PC200-11 | 123 kW (165 HP) | 6.6m | RM580,000 - RM650,000 | RM7,800 - RM8,700 |
| Hitachi ZX200-6 | 123 kW (165 HP) | 6.7m | RM560,000 - RM630,000 | RM7,500 - RM8,500 |
| Kobelco SK200-11 | 118 kW (158 HP) | 6.6m | RM540,000 - RM610,000 | RM7,200 - RM8,200 |
| Doosan DX220LC-5 | 142 kW (190 HP) | 6.7m | RM550,000 - RM620,000 | RM7,400 - RM8,300 |
| Volvo EC210D | 123 kW (165 HP) | 6.6m | RM620,000 - RM700,000 | RM8,300 - RM9,400 |
*Monthly installment based on 7-year term, 5% interest, 0% down payment.
Used 20-Ton Excavator Prices (2026)
| Age | Condition | Price Range | Financing Available |
|---|---|---|---|
| 1-3 Years | Excellent (Low Hours) | RM400,000 - RM480,000 | Yes (Up to 7 years) |
| 4-6 Years | Good (Moderate Hours) | RM280,000 - RM360,000 | Yes (Up to 6 years) |
| 7-10 Years | Fair (High Hours) | RM180,000 - RM250,000 | Yes (Up to 5 years) |
0% Down Payment: RM100,000+ Capital Preserved
Traditional Financing vs. 0% Down Payment
Scenario: RM600,000 Komatsu PC200-11 (20-Ton)
Traditional Financing (20% Down Payment):
β’ Down payment required: RM120,000
β’ Financed amount: RM480,000
β’ Monthly installment (7 years, 5%): RM6,800
β’ Cash tied up immediately: RM120,000
0% Down Payment (Ing Heng Credit):
β’ Down payment required: RM0
β’ Financed amount: RM600,000
β’ Monthly installment (7 years, 5%): RM8,500
β’ Cash preserved: RM120,000
Use Preserved RM120,000 For:
- Hire 3 operators: RM18,000/month (6 months coverage)
- Fuel and maintenance fund: RM40,000 (4 months)
- Mobilization (transport, logistics): RM20,000
- Project deposit/bond: RM30,000
- Working capital reserve: RM12,000
The RM120,000 Infrastructure Project Fund
Large infrastructure projects require significant mobilization:
- Transport & Logistics: RM20,000 (move machine to site, return transport)
- Site Mobilization: RM15,000 (site setup, amenities, safety equipment)
- Operator Hiring: RM18,000 Γ 3 operators = RM54,000 (3 months)
- Fuel Reserve: RM25,000 (first month of high-intensity operation)
- Maintenance Reserve: RM6,000 (unexpected repairs, spare parts)
Total: RM120,000 fully deployed to secure and execute first infrastructure contract. Without 0% down payment, you'd struggle to mobilize for large projects.
Large Infrastructure: Project Types & Revenue
1. Highway & Expressway Construction
Typical Scope:
β’ Earthmoving for road sub-base
β’ Drainage excavation alongside highway
β’ Bridge foundation excavation
β’ Culvert installation
Revenue Potential:
β’ Highway earthmoving (per km): RM80,000 - RM150,000
β’ Drainage installation (per km): RM50,000 - RM100,000
β’ Bridge foundation: RM100,000 - RM300,000 per bridge
Contract Duration: 6-24 months (long-term, stable revenue)
2. Mass Rapid Transit (MRT/LRT) Projects
Typical Scope:
β’ Station excavation
β’ Tunnel approach excavation
β’ Drainage and utilities relocation
β’ Supporting structures excavation
Revenue Potential:
β’ Station excavation: RM500,000 - RM2,000,000 per station
β’ Tunnel approach: RM200,000 - RM800,000 per approach
β’ Utilities relocation: RM100,000 - RM500,000 per package
Contract Duration: 12-36 months (major infrastructure)
3. Large-Scale Housing Development
Typical Scope:
β’ Site preparation and grading
β’ Drainage systems (estate-wide)
β’ Earthmoving for platforms
β’ Pond and lake excavation
Revenue Potential:
β’ Site preparation (per acre): RM15,000 - RM40,000
β’ Drainage system (per unit): RM800 - RM2,000
β’ Platform cutting (per unit): RM1,500 - RM4,000
Contract Duration: 6-18 months (phased development)
20-Ton vs. Larger Excavators: Size Comparison
| Factor | 20-25 Ton | 30-40 Ton | 50+ Ton |
|---|---|---|---|
| Best For | Most infrastructure | Large mining | Mega projects |
| Daily Rate | RM2,500-RM3,500 | RM4,000-RM6,000 | RM7,000-RM10,000 |
| Monthly Revenue | RM50,000-RM70,000 | RM80,000-RM120,000 | RM140,000-RM200,000 |
| Operating Cost | RM25K-35K/month | RM40K-60K/month | RM70K-100K/month |
| Transport | 2-3 trailers | 3-4 trailers | 4-6 trailers |
| Access | Most sites OK | Limited sites | Very limited |
| Price Range | RM540K-700K | RM900K-1.4M | RM1.8M-3M+ |
20-Ton Advantage: Most versatile large excavator. Handles 80% of infrastructure projects while remaining transportable to most sites.
ROI: 20-Ton Excavator Profit Potential
Monthly Revenue Breakdown (Highway Project)
| Work Type | Days/Month | Daily Rate | Monthly Revenue |
|---|---|---|---|
| Road Earthmoving | 18 days | RM3,000 | RM54,000 |
| Drainage Excavation | 6 days | RM2,500 | RM15,000 |
| Bridge Foundation | 2 days | RM3,500 | RM7,000 |
| Total | 26 days | RM76,000 |
Monthly Expenses
| Expense Item | Monthly Cost |
|---|---|
| Installment (7 years, 5%) | RM8,500 |
| Operator Salary (3 operators) | RM18,000 |
| Fuel (250 hours/month) | RM15,000 |
| Maintenance & Repairs | RM6,000 |
| Insurance | RM1,500 |
| Transport & Logistics | RM3,000 |
| Total Expenses | RM52,000 |
Net Monthly Profit: RM76,000 - RM52,000 = RM24,000
Payback Period: RM600,000 Γ· RM24,000 = 25 months
After payback, the machine generates RM24,000+ monthly profit for remaining 5+ years of useful life.
Approval Requirements: 20-Ton Excavator Financing
For Infrastructure Contractors
Minimum Requirements:
β’ CIDB Grade: Grade A or B required
β’ Business registration: 3+ years
β’ Annual revenue: RM2,000,000+
β’ Project pipeline: Infrastructure contracts worth RM2,000,000+
Documents Required:
β’ SSM business registration
β’ CIDB certificate (Grade A or B)
β’ Financial statements (3 years audited)
β’ Bank statements (24 months)
β’ Infrastructure project contracts or letters of award
β’ Company profile and track record
β’ Directors' NRIC (front and back)
For First-Time Large Excavator Buyers
Upgrading from Smaller Machines:
β’ Proven track record with 10-ton excavators
β’ Successful completion of medium projects
β’ Letter of award for infrastructure project
β’ Strong financial position
Additional Support:
β’ Project contracts from government agencies (JKR, LLM, MRT Corp)
β’ Subcontract letters from main contractors
β’ Proof of equipment owned (existing fleet)
Real Contractor Success: 20-Ton Upgrade
From 10-Ton to 20-Ton: Infrastructure Leap
"Started 2018 with 3-ton mini excavator. Residential work. 2020: upgraded to 10-ton Hitachi ZX130. Commercial projects. RM40,000-RM60,000 monthly revenue. Profitable but wanted larger contracts. 2022: tendered for highway earthmoving package. Won contractβRM1.2 million for 8 months. Needed 20-ton excavator. Financed RM580,000 Komatsu PC200 with Ing Heng (0% down). RM8,300/month. Used preserved RM116,000 for mobilization, hiring 2 operators, fuel reserve. Highway project: RM150,000 monthly revenue. Net profit: RM50,000+ monthly. Machine paid in 12 months during project. 2023: added second 20-ton excavator. Fleet: 2Γ20-ton, 1Γ10-ton, 2Γ3-ton. Monthly revenue RM200,000+. 2024: secured MRT station excavation package (RM3.5 million). 2025: tendering for expressway project (RM8 million). 0% down payment made 20-ton upgrade possible without draining cash needed for project mobilization. Large infrastructure requires substantial working capitalβ0% down preserved it."
β Sallehuddin bin Kassim, Infrastructure Contractor (Klang Valley)
Why Finance 20-Ton with Ing Heng Credit
1. Infrastructure Project Specialists
We understand large infrastructure contractors:
β’ Grade A/B CIDB contractors approved
β’ JKR, LLM, MRT project experience recognized
β’ First-time 20-ton buyers supported with proven track record
β’ Large project financing structured around contract payments
2. 0% Down Payment
Preserve RM100,000+ working capital:
β’ No down payment required
β’ Full amount financed
β’ Deploy preserved capital to mobilization, operators, fuel
3. Extended Terms
Up to 7 years repayment:
β’ Lower monthly installments
β’ Matches long-term infrastructure contracts
β’ Improves cash flow during project execution
4. Fast Approval
Don't wait weeks for financing:
β’ Approval in 48-72 hours
β’ Documents via email/WhatsApp
β’ Direct payment to dealer
5. Used Equipment Financing
We finance used 20-ton excavators up to 10 years old:
β’ Used machines cost 40-50% less
β’ Faster equity building
β’ Proven workhorses still have years of productive life
Ready for Large Infrastructure Projects?
The 20-ton excavator is your entry ticket to Malaysia's large infrastructure projects. Highway construction, MRT development, mass housingβthese projects require the power and capacity that only 20-ton+ machines can deliver.
With 0% down payment financing, you preserve the RM100,000+ needed to mobilize for large contracts, hire experienced operators, and cover fuel costs during high-intensity operations.
Join 4,000+ businesses who have trusted Ing Heng Credit since 1985.
Finance 20-Ton Excavator with 0% Down
Get approved in 48 hours. Preserve RM100,000+ for mobilization and operations. Extended terms up to 7 years.
Contact: +60175700889 (WhatsApp) | 03-3324 8899 (Phone)