# 72-Hour Lorry Before CNY - Quick Financing 2026 Need lorry before CNY? 72-hour quick financing for ISUZU, FUSO, HINO lorries available. ## Why Lorry Before CNY Critical **Pre-CNY Logistics Surge:** - Pre-festive stocking: +300% demand - Manufacturing shipments peak - E-commerce orders explode - **Lorries essential** **Missing Lorry Consequences:** - Business lost to competitors - Client relationships damaged - CNY revenue opportunity missed - Reputation suffers ## 2026 CNY Lorry Demand **High Demand Models:** **ISUZU NPR (3-5 Ton):** - Price: RM 120,000 - Usage: Urban delivery - Demand: Very high pre-CNY **FUSO Canter:** - Price: RM 110,000 - Usage: Regional delivery - Demand: High pre-CNY **HINO 300:** - Price: RM 115,000 - Usage: Mixed delivery - Demand: High pre-CNY ## Real 72-Hour Lorry Approvals **Case 1: ISUZU NPR - 60 Hours** **Situation:** - Logistics company - Pre-CNY contract awarded - Need lorry before January 25 - Applied January 22 **Timeline:** - Jan 22, 10am: Application - Jan 22, 3pm: Pre-approval - Jan 23, 2pm: Documents complete - Jan 24, 10am: Full approval - Jan 24, 4pm: Lorry released **Total: 60 hours** **Result:** Ready for CNY contracts **Case 2: FUSO Fleet - 68 Hours** **Situation:** - E-commerce logistics - CNY demand spike confirmed - Need 2 lorries urgently - Applied January 20 **Timeline:** - Jan 20, 9am: Application - Jan 20, 2pm: Pre-approval - Jan 21, 4pm: Documentation done - Jan 22, 11am: Approval - Jan 23, 5am: Lorries delivered **Total: 68 hours** **Result:** Handled 300% CNY surge ## 72-Hour vs Bank Lorry Financing | Factor | Bank (2-3 weeks) | 72-Hour Fast | |--------|------------------|--------------| | **Time** | Too late | Ready before CNY | | **Documentation** | Extensive | Minimal | | **Used Lorries** | Rarely | Accepted | | **Multiple Units** | Separate apps | Single approval | | **Approval Rate** | ~40% | ~75% | ## 72-Hour Lorry Process **Day 1 (Hours 1-24):** - Application submitted - Quick assessment - Pre-approval given - Documents requested **Day 2 (Hours 25-48):** - Documentation completed - Verification done - Final review - Approval decision **Day 3 (Hours 49-72):** - Agreement signed - Insurance arranged - Lorry released - **Ready for operations** ## Lorries Available in 72 Hours **Fast-Track Models:** **Immediately Available:** - ISUZU NPR (3-5 ton) - FUSO Canter - HINO 300 series - Local stock, ready pickup **Lead Time 3-5 Days:** - ISUZU NQR (7-8 ton) - FUSO Fighter - HINO 500 series - Order from distributor ## 2026 72-Hour Lorry Requirements **Fast Approval Needs:** 1. **Lorry Details** - Model confirmed - Price known - Seller identified - Stock checked 2. **Business Basics** - SSM registration - Business license - 3 months bank statements 3. **Demand Evidence** - Client orders (CNY period) - Contracts (if any) - Historical data - Projection reasonable 4. **Urgency Proof** - Deadline explained - Consequence clear - Business impact shown - Revenue documented ## Documentation for 72-Hour Lorry **Required:** **Immediate (Hour 1-6):** - SSM registration copy - Business license - Director NRIC - Lorry quotation **Within 24 Hours:** - 3 months bank statements - Latest invoices - Client order letters - Demand explanation **Optional (Helpful):** - Transport license - CVLB permit - Insurance quote - Service contracts ## Lorry Fleet 72-Hour Approval **Multiple Lorries:** **2 Lorries (RM 240,000):** - Single application - Same 72-hour process - Fleet approval - Delivered together **3 Lorries (RM 360,000):** - Package approval - Same timeline - Fleet rate possible - Staggered delivery OK ## 72-Hour Interest Rates (Lorries) **CNY Period Rates:** | Lorry Value | Rate | Monthly (5 yr) | Notes | |-------------|------|----------------|-------| | RM 100,000 | 5.5% | RM 2,100 | Standard lorry | | RM 120,000 | 5.3% | RM 2,500 | Popular model | | RM 150,000 | 5.0% | RM 3,100 | Heavy lorry | | RM 200,000+ | 4.8% | RM 4,100 | Prime mover | **Bad Credit:** +0.5-1.0% still possible ## Pre-CNY Lorry Revenue **Revenue Opportunity:** **Add 1 ISUZU NPR:** **Pre-CNY (3 weeks):** - Extra trips: 60 trips - Revenue/trip: RM 800 - **Pre-CNY: RM 48,000** **Post-CNY (4 weeks):** - Extra trips: 70 trips - Revenue/trip: RM 700 - **Post-CNY: RM 49,000** **Total Extra: RM 97,000** **Lorry Cost: RM 120,000** **First year: 80% of lorry cost covered** ## 72-Hour Lorry Tips **Tip 1: Choose Available Models** - ISUZU NPR in stock - FUSO Canter available - Local dealer preferred - No waiting for import **Tip 2: Show CNY Demand** - Client order letters - Historical CNY data - Transport requests - Volume projections **Tip 3: Prepare Driver** - Driver hired before lorry - License ready - Insurance arranged - Start immediately **Tip 4: Plan Routes** - Know deployment strategy - Client locations mapped - Schedule optimized - Revenue maximized ## Bad Credit 72-Hour Lorry **Challenge:** - Need lorry before CNY - CCRIS issues - 72-hour urgent **Still Possible:** - Lorry value primary - Business strength secondary - CCRIS reviewed not primary - Urgency considered - **Fast decision still** ## New Business 72-Hour Lorry **Challenge:** - New logistics company - First lorry needed - CNY deadline **Approved If:** - 6+ months operation - Strong client orders - Good bank statements - Owner experience - **72-hour possible** ## Get 72-Hour Lorry Approval Lorry urgently needed before CNY? Apply now for 72-hour financing approval. --- **Even more urgent?** See [48-Hour Equipment Before CNY](/blog/48-hour-equipment-before-cny-fast-approval-2026).