# Cash Flow Equipment Purchase Strategy 2026 ## Bank Down Payments Hurt Cash Flow When you buy equipment with bank financing, you must pay 10-20% down payment. This removes cash from your business. For RM 100,000 equipment, you lose RM 10,000 to RM 20,000 of working capital. This cash could be used for operations, payroll, or growth. Banks also limit loans to 90% of equipment value and reject machines older than 5 years. ## Ing Heng Preserves Your Cash Flow We provide equipment financing with 0% down payment. Keep 100% of your cash for business operations while getting the equipment you need. Finance equipment of any age to maximize cash flow efficiency. ## Comparison: Banks vs Ing Heng | Feature | Banks | Ing Heng Credit | |---------|-------|-----------------| | Down Payment | 10-20% | 0% | | Cash Preserved | Low | High | | Loan Amount | 90% | 100% | | Equipment Age | Under 5 years | No limit | ## Real Example: Cash Flow Impact Equipment Purchase: RM 100,000 **Bank Financing:** - Down payment: RM 10,000 - RM 20,000 cash out - Cash flow lost: RM 10,000 - RM 20,000 - Working capital reduced - Loan: RM 90,000 only **Ing Heng Financing:** - Down payment: RM 0 - Cash flow preserved: RM 10,000 - RM 20,000 - Working capital intact - Loan: RM 100,000 (100%) Keep RM 10,000 to RM 20,000 cash in your business with Ing Heng. ## Why Cash Flow Matters in 2026 Cash flow is crucial for business success: - Pay supplier invoices on time - Cover payroll expenses - Handle emergencies - Seize growth opportunities - Survive slow periods ## Equipment Purchase Strategies Use 0% down payment to optimize cash flow: **Strategy 1: Preserve Working Capital** - Use financing instead of cash - Keep money for operations - Maintain financial flexibility **Strategy 2: Buy Better Equipment** - 0% down = afford better machines - 100% financing = premium equipment - Any age = cost-effective options **Strategy 3: Grow Your Fleet** - Add more equipment with less cash - Expand capabilities gradually - Increase revenue potential ## Cash Flow Benefits Summary With Ing Heng 0% down payment: - No cash upfront for equipment - Keep working capital for operations - Finance 100% of equipment cost - Choose any age equipment - Improve cash flow management ## 2026 Business Growth Strategy Use equipment financing strategically: - Match payments to revenue - Preserve cash for opportunities - Upgrade equipment without cash drain - Expand fleet gradually - Improve financial stability ## Equipment Financing vs Cash Purchase Cash purchase of RM 100,000 equipment: - RM 100,000 cash out immediately - No working capital left - Business risk increases 0% down payment financing: - RM 0 cash out - RM 100,000 working capital preserved - Scheduled affordable payments ## Apply for Cash Flow Smart Financing Preserve your cash flow with 0% down payment equipment financing in 2026. **Contact Us:** **WhatsApp:** +60175700889 **Website:** inghengcredit.com **Email:** info@inghengcredit.com Get equipment financing that preserves your cash flow. 0% down payment, 100% loan, any age equipment.