Why Fast Approval Matters for Prime Movers

In the haulage industry, timing is everything. Shipping line contracts, port opportunities, and customer demands don’t wait. When you find the right prime mover at the right price, you need financing now, not weeks later.

Ing Heng Credit understands this urgency. With 24-hour approval for complete applications, we help you:

• Secure time-sensitive opportunities - Don’t lose contracts to faster competitors
• Take advantage of dealer promotions - Limited-time offers expire quickly
• Meet shipping line requirements - Some contracts mandate specific fleet capabilities
• Start earning revenue sooner - Every day without equipment is lost income

Required Documents for Fast Approval

The key to 24-hour approval is submitting complete documentation upfront. Missing information causes delays, so prepare everything before applying.

Document Checklist

• Company Registration (SSM) - Form 9 & 24/49 for companies, Business Registration Certificate for sole proprietors
• Bank Statements - Latest 3 months company bank statements (all pages)
• IC Copies - MyKad of all directors/partners (front and back)
• Prime Mover Quotation - From dealer or seller with detailed specifications
• Optional: Latest income tax return, financial statements, APAD permits

Application Process: From WhatsApp to Approval

    1

WhatsApp Your Documents

Send photos or PDFs of your required documents to our WhatsApp. This is the fastest way to start your application. Our team confirms receipt immediately.

    2

Review & Assessment (Same Day)

Our team reviews your application immediately. If anything is missing, we’ll request it right away to avoid delays. Complete applications move to underwriting.

    3

Approval Decision (24 Hours)

Receive your approval letter within 24 hours for complete applications. This includes your financing amount, interest rate, and repayment terms.

    4

Sign & Collect (3-5 Business Days)

Sign the hire purchase agreement and we’ll pay the dealer directly. Collect your prime mover and start operations. Fast track available for urgent cases.

Financing Terms: What We Offer

0% Down Payment

Qualified applicants pay nothing upfront. Preserve cash for operations, driver recruitment, and GPS compliance systems.

Rates from 2.88% p.a.

Competitive flat rates help you maximize profitability while investing in fleet expansion.

Up to 7 Years Tenure

Longer repayment period means lower monthly payments, improving cash flow for growing operations.

New Companies Welcome

We finance businesses less than 2 years old. Higher down payment or personal guarantee may apply.

Tips for Faster Approval

    ✓

Submit Complete Documents

Ensure all bank statements include all pages. Missing pages cause verification delays and slow down approval.

    ✓

Use WhatsApp for Fast Communication

WhatsApp allows instant photo sharing and quick clarifications. Avoid email delays for document exchanges.

    ✓

Be Responsive to Follow-Ups

If we request additional information, respond quickly. Fast responses keep your application moving forward.

    ✓

Have Dealer Quotation Ready

Include specific prime mover details (make, model, year, price) in your quotation. Vague quotes cause clarification delays.

Frequently Asked Questions

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Get Approved in 24 Hours

• 24-hour approval
• 0% down payment
• Rates from 2.88% p.a.
• Up to 7 years tenure

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Speed Up Approval

• Submit all pages of bank statements
• Use WhatsApp for fastest response
• Include detailed prime mover specs
• Respond quickly to follow-ups