Cash-Constrained Budget 2026 - 0% Deposit Solutions

2026 Cash-Constrained Budget Guide

Business is tight. Cash is low. Equipment needed. Banks want 10-20% down payment. Cash not available. Business stalls.

This guide explains 0% deposit solutions. Preserve cash flow. Get equipment without draining reserves.

Cash Flow Challenges

Why Businesses Are Cash-Constrained

• Seasonal revenue fluctuations
• Client payment delays (30-90 days)
• Unexpected expenses
• Growth requires inventory investment
• Economic downturn impact

What Cash-Constrained Means

• Less than 3 months operating expenses in bank
• Difficulty meeting weekly expenses
• No cash available for down payments
• Living invoice to invoice
• Can't afford equipment deposit

Bank Down Payment Problem

Typical Bank Requirements

• Down payment: 10% - 20%
• Processing fees: 1% - 2%
• Insurance upfront: 3% - 5%
• Legal fees: RM2,000 - RM5,000

Real Example: Excavator Purchase

Equipment: RM340,000

Bank Cash Required:
• Down payment: RM34,000 - RM68,000
• Processing fee: RM3,400 - RM6,800
• Insurance: RM10,200 - RM17,000
• Legal fees: RM3,000 - RM5,000
Total cash needed: RM50,600 - RM96,800

Cash-constrained business doesn't have RM50k-100k available. Equipment purchase delayed or cancelled.

0% Deposit Solution

Ing Heng Credit 0% Down Terms

• Down payment: 0%
• Processing fee: Minimal or waived
• Insurance: Can be added to loan
• Legal fees: Minimal
• Cash needed: RM0 - RM5,000

Same Excavator with 0% Deposit

Equipment: RM340,000

Ing Heng Cash Required:
• Down payment: RM0
• Processing fee: RM0 - RM2,000
• Insurance: Added to loan
• Legal fees: RM1,000 - RM2,000
Total cash needed: RM1,000 - RM4,000

Cash preserved: RM46,600 - RM92,800

Preserved Cash Uses

What RM50,000 Preserved Cash Can Do

For Transport Business:

• Diesel for 5 lorries: 2 months
• Driver wages: 1 month
• Tires: 6 sets
• Maintenance reserve: 3 months

For Construction Business:

• Fuel for excavator: 3 months
• Worker wages: 1 month
• Material purchases: Partial project
• Subcontractor payments: 2 weeks

For Warehouse:

• Inventory purchase: 1 month stock
• Staff wages: 1.5 months
• Utilities: 6 months
• Marketing: 3 months campaign

Cash Flow Comparison

Scenario: RM100,000 Equipment Purchase

Bank with 20% Down Payment:

• Initial cash outflow: RM20,000
• Monthly payment: RM1,700
• Cash flow negative from Day 1
• Less cash for operations

Ing Heng with 0% Down Payment:

• Initial cash outflow: RM0 - RM2,000
• Monthly payment: RM1,750
• Cash flow positive initially
• RM18,000+ preserved for operations

0% Deposit Qualification

What We Evaluate for 0% Down

• Business cash flow stability
• Equipment income-generating ability
• Management experience
• Customer base quality
• Future business prospects

Equipment That Qualifies

• Income-producing equipment
• Essential business tools
• Good resale value brands
• Well-maintained used equipment

2026 Cash Preservation Strategy

• Always choose 0% down payment
• Preserve cash for operations
• Use equipment income for payments
• Build cash reserve over time
• Refinance later if cash improves