CCRIS Issues 2026 - Equipment Solutions

# CCRIS Issues 2026 - Equipment Solutions CCRIS issues affecting equipment financing? Solutions available for excavators, lorries, forklifts in 2026. ## Understanding CCRIS Issues **Common CCRIS Problems:** - Late payments (1-3 months overdue) - High credit utilization (>80%) - Too many credit facilities - Recent settlement of default - High debt service ratio ## 2026 CCRIS Solutions **Equipment-Focused Approval:** **Solution 1: Equipment Value Primary** - Komatsu, CAT, ISUZU, Toyota - Strong resale value - Lower lender risk - **Higher approval rate** **Solution 2: Business Viability** - Current operations strong - Regular income visible - Future contracts secured - **Repayment assured** **Solution 3: Income-Based** - Business cash flow focus - Project contracts considered - Revenue projections accepted - **Capacity demonstrated** ## Real CCRIS Approval Cases **Case 1: Late Payments - Approved** **CCRIS:** 3 late payments in 2024 **Score:** 585 **Banks:** All rejected **Equipment:** Komatsu PC200 **Our Approval:** 48 hours, 0% down **Result:** Repaying on time, score improving **Case 2: High Debt Ratio - Approved** **CCRIS:** Debt ratio 55% **Score:** 560 **Banks:** Rejected (over 40% limit) **Equipment:** 2 ISUZU lorries **Our Approval:** 72 hours, 10% down **Result:** Business income sufficient, repaying well ## CCRIS Score Impact | Score Range | Bank Response | Our Approval Rate | |-------------|---------------|-------------------| | **700+** | Approved | Approved (95%) | | **650-699** | Mostly approved | Approved (90%) | | **600-649** | Maybe | Approved (80%) | | **550-599** | Unlikely | Approved (60%) | | **500-549** | Rejected | Approved (40%) | | **Below 500** | Rejected | Case-by-case (20%) | ## Improving CCRIS Approval **What Helps:** 1. **Popular Equipment Brands** - Komatsu PC200, CAT 320 - ISUZU NPR, Toyota forklifts - Easy to resell - **Lower lender risk** 2. **Strong Business Income** - 6 months bank statements - Regular deposits visible - Growing trend - **Repayment capacity proven** 3. **Project Contracts** - Government projects preferred - Private development good - Long-term contracts - **Future payment assured** 4. **Some Down Payment** - Even 5-10% helps - Shows commitment - Reduces lender risk - **Better terms possible** ## CCRIS Recovery Documentation **Show Improvement:** **Required:** - Current on-time payments - Settled overdue amounts - Reduced credit utilization - Accounts closed - **Recovery evident** ## Get CCRIS Equipment Financing CCRIS issues but need equipment? Apply for equipment-focused financing with 48-hour assessment. --- **Specific equipment needs?** See [Bad Credit Excavator](/blog/bad-credit-excavator-2026-financing-options) or [Bad Credit Lorry](/blog/bad-credit-lorry-2026-loan-available-malaysia).