Bulldozer Financing Malaysia: 0% Deposit, Fast Approval for Construction Projects

Bulldozer Financing Malaysia: Get Your Dozer with 0% Deposit

Need a bulldozer for your construction or land clearing project? Getting financing should not slow you down. At Ing Heng Credit, we offer bulldozer financing with zero deposit required and loans up to 100% of equipment value.

Whether you need a mini dozer for residential projects or a large crawler for mining operations, we help Malaysian contractors and developers access the heavy equipment they need to grow.

Why contractors choose us for bulldozer financing:

• 0% deposit required for qualified applicants
• Finance up to 100% of bulldozer value
• Fast approval compared to banks (we respond much quicker)
• High approval rate for qualified contractors
• Used dozers accepted (up to 10 years old)
• Competitive rates from 6.5% per annum
• New businesses accepted (1 year old minimum)

40 years financing heavy equipment for Malaysian contractors.

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Why Finance a Bulldozer Instead of Renting?

1. Stop Paying Rental Fees Forever

Rental costs add up fast:

• Small dozer (D3): RM 3,000-5,000/month
• Medium dozer (D5): RM 8,000-12,000/month
• Large dozer (D7): RM 15,000-20,000/month

Example: 5-ton dozer rental

• Monthly rental: RM 10,000
• 3-year project: RM 360,000
• Result: RM 360,000 spent, zero assets owned

Instead, finance with 0% deposit:

• Dozer price: RM 400,000
• Finance 100%: RM 400,000 loan
• Monthly payment (60 months, 7% p.a.): RM 7,920
• After 5 years: Own RM 400,000 dozer, save RM 115,000

2. Own the Asset from Day One

When you finance a bulldozer:

• Build company assets
• Depreciation benefits for tax
• Use dozer for any project (not just one)
• Sell or trade-in when upgrading
• No daily rental charges eating profits

3. Win More Contracts

Many government and large-scale projects require:

• Proof of owned equipment (not rental)
• Financial stability (assets on balance sheet)
• Long-term capability (not dependent on rental availability)

Owning your bulldozer makes you more competitive for major contracts.

4. Better Cash Flow Management

Spread the cost over 36-60 months:

• Manage seasonal income fluctuations
• Align payments with project revenue
• Preserve working capital for operations
• Pay from profits, not reserves

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Types of Bulldozers We Finance

Mini Dozers (50-90 HP)

Best for:

• Residential construction
• Small-scale land clearing
• Landscaping projects
• Road preparation
• Urban development sites

Popular models:

• Caterpillar D3 series
• Komatsu D31/D37
• Shantui SD13
• XCMG TY130

Typical price range: RM 150,000 - RM 300,000

Common applications:

• Housing development preparation
• Small commercial sites
• Residential road building
• Light earthmoving

Medium Dozers (100-200 HP)

Best for:

• Commercial construction
• General earthwork
• Infrastructure projects
• Plantation development
• Mining support

Popular models:

• Caterpillar D5/D6 series
• Komatsu D51/D61
• Shantui SD16/SD22
• XCMG TY165/TY230

Typical price range: RM 300,000 - RM 800,000

Common applications:

• Factory site preparation
• Road construction
• Land reclamation
• Material stockpiling
• General grading work

Large Dozers (300+ HP)

Best for:

• Major infrastructure
• Mining operations
• Large-scale earthmoving
• Dam construction
• Major land clearing

Popular models:

• Caterpillar D7/D8/D9 series
• Komatsu D85/D155/D275
• Shantui SD32/SD42
• XCMG TY320/TY420

Typical price range: RM 800,000 - RM 3,000,000+

Common applications:

• Highway construction
• Mining pit development
• Major plantation clearing
• Large infrastructure projects
• Heavy earthwork operations

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Industries That Need Bulldozer Financing

Construction & Infrastructure

Typical projects:

• Highway and road construction
• Bridge and flyover foundations
• Building site preparation
• Earthwork and grading
• Utility installation

Why bulldozer financing helps:

• Large upfront equipment cost (RM 400K-2M)
• Long project duration (6-24 months)
• Payment tied to progress claims
• Preserve cash for materials and labor

Mining Operations

Typical applications:

• Overburden removal
• Stockpile management
• Haul road construction
• Site maintenance
• Material handling

Why bulldozer financing helps:

• Mining requires 24/7 equipment availability
• Rental costs unsustainable for long-term operations
• Ownership provides operational flexibility
• Depreciation benefits for large capital expenses

Land Clearing & Development

Typical projects:

• Plantation development (oil palm, rubber)
• Forestry operations
• Agricultural land preparation
• Urban expansion projects
• Industrial park development

Why bulldozer financing helps:

• Seasonal project income (after harvest/sale)
• Large land areas require months of work
• Multiple projects simultaneously
• Equipment must be reliable and available

Palm Oil & Plantation Industry

Typical applications:

• New plantation clearing
• Replanting preparation
• Road building within estates
• Drainage system construction
• Estate maintenance

Why bulldozer financing helps:

• Plantations have steady long-term income
• Need equipment for years, not months
• Multiple estates require fleet management
• Ownership more economical than rental

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New vs Used Bulldozer Financing

New Bulldozer Financing

Advantages:

• Latest technology and fuel efficiency
• Full manufacturer warranty (1-3 years)
• Longer financing tenure (up to 84 months)
• Lower interest rates (from 6.5% p.a.)
• Better resale value

Typical financing:

• 0% deposit possible
• Finance up to 100% of value
• 60-84 month tenure
• RM 500,000 - RM 3,000,000 range

Best for:

• Large companies with strong cash flow
• Long-term projects (5+ years)
• Businesses prioritizing reliability
• Companies needing warranty coverage

Used Bulldozer Financing

Advantages:

• 40-60% cheaper than new
• Proven track record (known reliability)
• Faster ROI (pay off in 2-3 years)
• Lower monthly payments
• Good for budget-conscious contractors

Typical financing:

• 0% deposit available
• Finance up to 100% of appraised value
• 36-60 month tenure
• RM 150,000 - RM 1,000,000 range

Best for:

• New businesses (1-2 years old)
• Short-term projects
• Contractors building fleet
• Budget-focused operations

We finance used dozers up to 10 years old (banks limit to 5 years)

Example cost comparison:

Dozer Type	New Price	Used Price (5 yrs)	Savings
Small (D3)	RM 280,000	RM 140,000	50%
Medium (D5)	RM 600,000	RM 320,000	47%
Large (D7)	RM 1,500,000	RM 750,000	50%

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Bulldozer Financing Options Explained

Option 1: 0% Deposit (100% Financing)

How it works:

• Finance 100% of bulldozer value
• Zero upfront payment
• Start operations immediately
• Preserve all working capital

Best for:

• Urgent project needs
• Cash-strapped contractors
• Unexpected equipment breakdown
• Seasonal business (low cash period)

Requirements:

• Good credit score (680+)
• Established business (2+ years)
• Strong project contracts
• Positive cash flow

Example (Caterpillar D5):

• Dozer price: RM 550,000
• Down payment: RM 0
• Financed amount: RM 550,000
• Interest rate: 7.5% p.a.
• Tenure: 60 months
• Monthly payment: RM 10,935

Option 2: 10% Deposit (90% Financing)

How it works:

• Pay 10% upfront
• Finance 90% of value
• Lower interest rate
• Reduced monthly payment

Best for:

• Contractors with some cash reserves
• Businesses wanting to save on interest
• Projects with confirmed revenue
• Operators prioritizing lower monthly cost

Requirements:

• Fair credit score (620+)
• Business 1+ years old
• Project contracts or client base
• Ability to pay 10% upfront

Example (Caterpillar D5):

• Dozer price: RM 550,000
• Down payment: RM 55,000 (10%)
• Financed amount: RM 495,000
• Interest rate: 6.8% p.a.
• Tenure: 60 months
• Monthly payment: RM 9,735
• Savings vs 0% deposit: RM 1,200/month

Option 3: 20% Deposit (80% Financing)

How it works:

• Pay 20% upfront
• Finance 80% of value
• Best interest rates
• Lowest monthly payment

Best for:

• Cash-healthy businesses
• Long-term equipment investment
• Companies prioritizing total cost savings
• Operators with strong balance sheet

Requirements:

• Any credit score (580+)
• New or established business
• Regular income
• 20% cash available

Example (Caterpillar D5):

• Dozer price: RM 550,000
• Down payment: RM 110,000 (20%)
• Financed amount: RM 440,000
• Interest rate: 6.5% p.a.
• Tenure: 60 months
• Monthly payment: RM 8,630
• Savings vs 0% deposit: RM 2,305/month

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Bulldozer Financing Eligibility & Requirements

Business Requirements

Basic eligibility:

• Registered business (SSM certificate)
• Active operations (minimum 1 year preferred)
• Positive cash flow or project contracts
• Valid business bank account

We accept:

• Sdn Bhd (preferred)
• Sole proprietorships
• Partnerships
• Cooperatives

Note: New businesses (1 year old) with strong projects are welcome. Banks typically require 3+ years.

Credit Score Requirements

Excellent (750+):

• 0% deposit possible
• Best interest rates (6.5% p.a.)
• 100% financing available
• Fast approval process

Good (680-749):

• 0-10% deposit required
• Good rates (6.8-7.2% p.a.)
• 90-100% financing
• Standard approval

Fair (620-679):

• 10-15% deposit required
• Fair rates (7.5-8.5% p.a.)
• 85-90% financing
• Additional documentation needed

Below 620:

• 15-20% deposit required
• Higher rates (8.5-10% p.a.)
• 80-85% financing
• Co-borrower may help

Financial Requirements

Document checklist:

• Bank statements (6 months)
• Business financial statements (if available)
• Tax returns (latest year)
• Project contracts or purchase orders
• Equipment quotation from supplier

Income verification:

• Consistent deposits in business account
• Client contracts showing revenue
• Project progress claims
• Signed purchase orders

Debt-to-income ratio:

• Total monthly debt payments < 60% of income
• Includes existing equipment loans
• Business expenses considered
• Personal guarantor income may help

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How to Apply for Bulldozer Financing

Step 1: Get Bulldozer Quotation

From dealer or supplier:

• Choose your bulldozer model
• Request formal quotation (company letterhead)
• Include full specifications (HP, model, year)
• Get delivery timeframe

Key information needed:

• Make and model (e.g., Caterpillar D6T)
• Engine power (e.g., 185 HP)
• Operating weight
• New or used (if used, year and hours)
• Total price including delivery
• Supplier contact details

Step 2: Prepare Documentation

Business documents:

• SSM certificate (Form 9/24/49)
• Company registration details
• Business license (if applicable)
• Bank statements (6 months)

Financial documents:

• Latest financial statements
• Tax returns (Borang B/BE)
• Project contracts or purchase orders
• Cash flow projections (if large loan)

Personal documents (Director/Owner):

• IC copy (front and back)
• Proof of address (utility bill)
• Personal bank statements (3-6 months)

Equipment documents:

• Bulldozer quotation
• Specifications sheet
• Photos (if used equipment)
• Valuation report (if used, we can arrange)

Step 3: Submit Application

Option 1: WhatsApp (Fastest)

1. Save +60 17-570 0889
2. Message “Bulldozer financing inquiry”
3. Share bulldozer model and price
4. Send all documents via WhatsApp
5. Receive preliminary assessment

Option 2: Email

• Email: info@inghengcredit.com
• Subject: “Bulldozer Financing - [Your Name]”
• Attach all documents
• Include contact number

Option 3: Walk-In

• Visit our Klang office
• 47A, Jalan Raya Timur, Klang
• Monday-Friday: 9AM-6PM, Saturday: 9AM-1PM
• Bring all documents

Step 4: Fast Approval Process

Timeline:

• Application review: 1-2 days
• Credit check and verification: 1-2 days
• Approval decision: Much faster than banks
• Documentation: 2-3 days
• Disbursement: After dozer delivery

What we check:

• Business viability and track record
• Credit history (flexible criteria)
• Project contracts and revenue
• Repayment capacity
• Equipment value

Step 5: Documentation & Disbursement

After approval:

1. Review and sign hire purchase agreement
2. Arrange down payment (if required)
3. Complete insurance paperwork
4. Coordinate with supplier for delivery
5. We pay supplier directly
6. Collect your bulldozer
7. Start operations

First payment: 30 days after disbursement

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Real Bulldozer Financing Examples

Case Study 1: Infrastructure Contractor

Customer: Medium contractor, Selangor Project: Government highway construction Equipment: Caterpillar D7 bulldozer (200 HP) Financing: RM 1,200,000 over 72 months

Why bulldozer financing worked:

• Contract required owned equipment
• Banks rejected (business only 2 years old)
• We approved with 10% deposit
• Monthly payment: RM 18,750 (from progress claims)
• Project revenue: RM 100,000/month
• ROI: 18 months

Result: Completed highway project, won 2 more contracts using same dozer

Case Study 2: Palm Oil Plantation

Customer: Plantation company, Johor Project: 500-acre plantation development Equipment: Shantui SD32 bulldozer (320 HP) Financing: RM 850,000 over 60 months

Why bulldozer financing worked:

• Needed dozer for 18-month clearing project
• Rental would cost RM 20,000/month = RM 360,000
• Financed with 0% deposit (excellent credit)
• Monthly payment: RM 16,250
• After project, used for estate maintenance
• Saved RM 200,000 vs rental

Result: Cleared plantation on time, kept dozer for long-term use

Case Study 3: Mining Contractor

Customer: Mining service provider, Pahang Project: Limestone quarry operations Equipment: Used Komatsu D85 (3 years old) Financing: RM 450,000 over 48 months

Why used bulldozer financing worked:

• Needed reliable dozer for 24/7 operations
• New dozer costs RM 1.2M (too expensive)
• We financed used dozer (3 years old)
• Monthly payment: RM 10,350
• Dozer operates 20 hours daily, 6 days/week
• Paid off loan in 3.5 years from earnings

Result: Operational efficiency increased 40%, expanded to 2nd quarry

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Bulldozer Financing vs Bank Financing

Why Choose Ing Heng Credit Over Banks?

Faster Approval:

• Banks: 2-4 weeks (multiple meetings, committees)
• Us: Fast approval process (direct decision-making)

Higher Approval Rate:

• Banks: 40-60% approval rate (strict criteria)
• Us: High approval rate (flexible assessment)

New Business Friendly:

• Banks: Require 3+ years operation
• Us: Accept 1+ years (with projects)

Used Equipment Acceptance:

• Banks: Limit to 5-7 years old
• Us: Up to 10 years old

Flexible Down Payment:

• Banks: Require 20-40% deposit
• Us: 0% deposit possible (up to 100% financing)

Lower Credit Score Acceptance:

• Banks: Need 700+ credit score
• Us: Accept 620+ (case-by-case below 620)

Better Understanding:

• Banks: Generic lending criteria
• Us: 40 years financing construction equipment

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Frequently Asked Questions

Do I need a deposit for bulldozer financing?

No deposit required for qualified applicants. We offer 0% down payment and finance up to 100% of bulldozer value. Requirements include good credit (680+), established business (2+ years), and strong project contracts. Most applicants qualify for 0-10% deposit financing.

Can I finance used bulldozers?

Yes! We specialize in used bulldozer financing up to 10 years old. Banks typically limit to 5 years. Used dozers cost 40-60% less than new, offer faster ROI, and provide proven reliability. Same 0% deposit option available for qualifying used equipment.

What bulldozer sizes can I finance?

We finance all sizes from mini dozers (50-90 HP) to large crawlers (300+ HP). Common brands include Caterpillar, Komatsu, Shantui, XCMG, and all major manufacturers. Financing range: RM 150,000 to RM 3,000,000+.

How long does bulldozer financing approval take?

Fast approval compared to traditional banks. We provide much quicker responses with streamlined processes. Banks take 2-4 weeks for approval. We understand contractors need equipment urgently for project deadlines.

What industries use bulldozer financing?

Construction companies, mining operators, land clearing contractors, plantation developers, infrastructure builders, and earthwork specialists. Any business requiring heavy earthmoving equipment for projects or operations.

Can new businesses apply for bulldozer financing?

Yes! We accept businesses from 1 year old with active projects and revenue. Banks typically require 3+ years operation. We understand contractors need equipment to grow their business and win larger contracts.

What interest rates do you offer for bulldozer financing?

Competitive rates starting from 6.5% per annum for qualified applicants. Final rate depends on credit profile, down payment amount, bulldozer age (new vs used), and financing tenure. Higher deposit = lower rate.

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Why Choose Ing Heng Credit for Bulldozer Financing?

40 Years Financing Heavy Equipment

Since 1985:

• Thousands of dozers financed
• Deep understanding of construction business
• Licensed by KPKT (Ministry of Housing)
• Trusted by Malaysian contractors

Contractor-Focused Solutions

We understand your needs:

• Seasonal income patterns (monsoon, festivals)
• Project payment delays (30-90 days)
• Equipment breakdowns (urgent replacement)
• Cash flow challenges (materials, labor)

Flexible financing:

• 0% deposit options
• Up to 100% loan amount
• Extended tenure (up to 84 months)
• Balloon payment structures

Comprehensive Equipment Coverage

Beyond bulldozers:

• Excavators
• Wheel loaders
• Motor graders
• Dump trucks
• Backhoe loaders
• All construction equipment

Fleet financing available for multiple equipment purchase

Local Klang Office

Convenient for contractors:

• Walk-in consultations (no appointment needed)
• Face-to-face service (discuss projects)
• Easy to reach (Federal Highway, KESAS)
• Operating hours: Mon-Fri 9AM-6PM, Sat 9AM-1PM

Address: 47A, Jalan Raya Timur, 41000 Klang, Selangor

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Get Your Bulldozer with 0% Deposit Today

Ready to finance your bulldozer with zero deposit? Stop renting and start owning your heavy equipment.

Contact Ing Heng Credit now:

WhatsApp (Fastest): +60 17-570 0889

• Message “Bulldozer financing inquiry”
• Share dozer model and project details
• Send required documents
• Receive fast preliminary approval

Email:

• info@inghengcredit.com
• Subject: “Bulldozer Financing - [Your Name]”
• Attach all documents
• Include contact number

Walk-In:

• 47A, Jalan Raya Timur, Klang
• Monday-Friday: 9AM-6PM
• Saturday: 9AM-1PM
• Bring all documents for same-day assessment

What to prepare:

• Business registration (SSM)
• Bank statements (6 months)
• Bulldozer quotation from supplier
• Project contracts (if available)

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Related Equipment Financing

Looking for other heavy equipment?

• Excavator Financing - 0% deposit, up to 100% financing
• Wheel Loader Financing - Fast approval for construction
• Motor Grader Financing - Road building equipment
• Backhoe Loader Financing - Multi-purpose machines

Construction Equipment Hub:

• All Equipment Financing - Complete range of construction equipment

Services:

• Hire Purchase Financing - Own equipment, spread payments
• Equipment Insurance - Comprehensive coverage included

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Ing Heng Credit & Leasing Sdn Bhd - Licensed equipment financing company based in Klang, Selangor. Specializing in bulldozer financing, construction equipment hire purchase, and heavy machinery loans for Malaysian contractors since 1985.

Get bulldozer financing with 0% deposit and up to 100% loan amount. Fast approval for construction and mining projects. Contact us today.