Concrete Mixer Financing Malaysia: 0% Deposit Construction Equipment Loans

Concrete Mixer Financing Malaysia: Get Your Mixer Truck with 0% Deposit

Need a concrete mixer truck for your construction or ready-mix business? Getting financing should not delay your concrete operations. At Ing Heng Credit, we offer concrete mixer financing with zero deposit required and loans up to 100% of equipment value.

Whether you need a small transit mixer for site operations or a large concrete truck for ready-mix delivery, we help Malaysian contractors and concrete suppliers access the mixing equipment they need to serve customers reliably.

Why concrete businesses choose us for mixer financing:

• 0% deposit required for qualified applicants
• Finance up to 100% of mixer truck value
• Fast approval compared to banks (we respond much quicker)
• High success rate for qualified businesses
• Used mixers 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 Concrete Mixer Instead of Renting?

1. Stop Paying Rental Fees Forever

Rental costs add up fast:

• Small mixer (6m³): RM 800-1,200/day
• Medium mixer (8m³): RM 1,000-1,500/day
• Large mixer (10m³): RM 1,200-1,800/day

Example: 8m³ mixer truck rental

• Daily rental: RM 1,200
• 20 working days/month: RM 24,000
• 2-year period: RM 576,000
• Result: RM 576,000 spent, zero assets owned

Instead, finance with 0% deposit:

• Mixer truck price: RM 450,000
• Finance 100%: RM 450,000 loan
• Monthly payment (60 months, 7% p.a.): RM 8,910
• After 5 years: Own RM 450,000 mixer, save RM 470,000

2. Own the Asset from Day One

When you finance a concrete mixer:

• Build company assets for financial strength
• Depreciation benefits for tax optimization
• Use mixer for multiple clients (not restricted)
• Sell or trade-in when upgrading fleet
• No daily rental charges reducing profit margins

3. Win More Ready-Mix Contracts

Many large construction projects require:

• Proof of owned delivery equipment (not rental dependency)
• Reliable concrete supply schedules
• Financial stability (assets demonstrate capacity)
• Long-term service capability guarantees

Owning your concrete mixer makes you more competitive for major ready-mix supply contracts.

4. Better Business Cash Flow Management

Spread the cost over 36-84 months:

• Manage seasonal construction patterns
• Align payments with monthly revenue
• Preserve working capital for cement and aggregates
• Pay from operating profits, not cash reserves

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Types of Concrete Mixers We Finance

Mini Transit Mixers (3-4m³)

Best for:

• Small construction sites
• Residential projects
• DIY concrete supply
• Remote location delivery
• Specialized concrete applications

Popular models:

• Hino Dutro mixer
• Isuzu ELF mixer
• Mitsubishi Canter mixer
• Custom-built mini mixers

Typical price range: RM 180,000 - RM 280,000

Common applications:

• House foundation pours
• Small commercial slabs
• Driveway and pathway construction
• Repair and maintenance work
• Specialized concrete delivery

Standard Transit Mixers (6-8m³)

Best for:

• Medium construction projects
• Commercial building construction
• Infrastructure development
• Ready-mix delivery operations
• General construction supply

Popular models:

• Hino 500 series mixer
• Isuzu FVZ mixer trucks
• Mercedes Arocs mixer
• Volvo FMX concrete trucks

Typical price range: RM 350,000 - RM 550,000

Common applications:

• Commercial building construction
• Infrastructure projects
• Housing development
• Industrial facility construction
• Regular ready-mix operations

Large Transit Mixers (9-12m³)

Best for:

• Major infrastructure projects
• High-volume ready-mix operations
• Large commercial developments
• Highway and bridge construction
• Mass concrete pours

Popular models:

• Mercedes Actros mixer
• Volvo FMX heavy-duty
• Scania mixer trucks
• MAN TGS concrete trucks

Typical price range: RM 550,000 - RM 800,000+

Common applications:

• Major infrastructure development
• Large commercial complexes
• Highway construction projects
• Bridge and flyover construction
• High-rise building projects

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Industries That Need Concrete Mixer Financing

Ready-Mix Concrete Companies

Typical operations:

• Daily concrete delivery schedules
• Multiple construction site supply
• Residential and commercial supply
• Infrastructure project support
• Specialized concrete mix delivery

Why mixer financing helps:

• High daily operational requirements
• Multiple trucks needed for coverage
• Rental costs unsustainable for daily use
• Own fleet provides reliability guarantee
• Customer confidence in service continuity

Construction Contractors

Typical projects:

• Building construction (residential/commercial)
• Infrastructure development
• Road and highway construction
• Bridge and tunnel projects
• Industrial facility construction

Why mixer financing helps:

• On-site concrete needs (not always ready-mix available)
• Remote location projects
• Quality control (own mixing operations)
• Cost savings on concrete supply
• Project timeline flexibility

Housing Developers

Typical applications:

• Foundation and slab pours
• Infrastructure development within projects
• Road and drainage construction
• Amenity facility construction
• Ongoing development phases

Why mixer financing helps:

• Large-scale development requires consistent supply
• Multiple development phases over years
• Cost control for concrete operations
• Quality assurance for residential standards
• Timeline control for project completion

Infrastructure Developers

Typical projects:

• Highway and expressway construction
• Bridge and flyover development
• Airport and port construction
• Railway infrastructure
• Utility infrastructure development

Why mixer financing helps:

• Large volume concrete requirements
• Long-term project duration
• Remote location challenges
• Quality specification compliance
• Reliable supply schedule requirements

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New vs Used Concrete Mixer Financing

New Concrete Mixer Financing

Advantages:

• Latest mixing technology and efficiency
• Full manufacturer warranty (2-3 years)
• Maximum fuel efficiency and reliability
• Lower interest rates (from 6.5% p.a.)
• Better resale value retention

Typical financing:

• 0% deposit possible for qualified applicants
• Finance up to 100% of value
• 60-84 month tenure options
• RM 350,000 - RM 800,000+ range

Best for:

• Ready-mix companies with strong cash flow
• Large contractors with multiple projects
• Companies prioritizing reliability and efficiency
• Businesses needing warranty coverage

Used Concrete Mixer Financing

Advantages:

• 30-50% cheaper than new equipment
• Proven reliability and performance record
• Faster return on investment (pay off in 2-4 years)
• Lower monthly payments for cash flow
• Good for budget-conscious operators

Typical financing:

• 0% deposit available for good credit
• Finance up to 100% of appraised value
• 36-60 month tenure options
• RM 150,000 - RM 400,000 range

Best for:

• New concrete businesses (1-3 years old)
• Small to medium contractors
• Operators building mixer fleet gradually
• Budget-focused operations

We finance used mixers up to 10 years old (banks limit to 5-7 years)

Example cost comparison:

Mixer Type	New Price	Used Price (5 yrs)	Savings
Mini (4m³)	RM 230,000	RM 130,000	43%
Standard (7m³)	RM 450,000	RM 270,000	40%
Large (10m³)	RM 650,000	RM 350,000	46%

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Concrete Mixer Financing Options Explained

Option 1: 0% Deposit (100% Financing)

How it works:

• Finance 100% of mixer truck value
• Zero upfront payment required
• Start concrete operations immediately
• Preserve all working capital for materials

Best for:

• Urgent business expansion needs
• Cash-strapped ready-mix operators
• Unexpected equipment breakdown
• Seasonal concrete business (low cash period)

Requirements:

• Good credit score (680+)
• Established concrete business (2+ years preferred)
• Strong client contracts or regular orders
• Positive cash flow demonstration

Example (Hino 500 8m³ mixer):

• Mixer truck price: RM 480,000
• Down payment: RM 0
• Financed amount: RM 480,000
• Interest rate: 7.5% p.a.
• Tenure: 60 months
• Monthly payment: RM 9,540

Option 2: 10% Deposit (90% Financing)

How it works:

• Pay 10% upfront deposit
• Finance 90% of equipment value
• Lower interest rate offered
• Reduced monthly payment obligation

Best for:

• Concrete businesses with some cash reserves
• Companies wanting to save on interest costs
• Operations with confirmed revenue streams
• Operators prioritizing lower monthly costs

Requirements:

• Fair credit score (620+)
• Concrete business 1+ years old minimum
• Client contracts or established customer base
• Ability to pay 10% upfront deposit

Example (Hino 500 8m³ mixer):

• Mixer truck price: RM 480,000
• Down payment: RM 48,000 (10%)
• Financed amount: RM 432,000
• Interest rate: 6.8% p.a.
• Tenure: 60 months
• Monthly payment: RM 8,500
• Savings vs 0% deposit: RM 1,040/month

Option 3: 20% Deposit (80% Financing)

How it works:

• Pay 20% upfront deposit
• Finance 80% of equipment value
• Best interest rates available
• Lowest monthly payment option

Best for:

• Cash-healthy concrete businesses
• Long-term equipment investment strategy
• Companies prioritizing total cost savings
• Operations with strong financial position

Requirements:

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

Example (Hino 500 8m³ mixer):

• Mixer truck price: RM 480,000
• Down payment: RM 96,000 (20%)
• Financed amount: RM 384,000
• Interest rate: 6.5% p.a.
• Tenure: 60 months
• Monthly payment: RM 7,530
• Savings vs 0% deposit: RM 2,010/month

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Concrete Mixer Financing Eligibility & Requirements

Business Requirements

Basic eligibility criteria:

• Registered business (SSM certificate)
• Active concrete/construction operations (minimum 1 year preferred)
• Positive cash flow or confirmed client contracts
• Valid business bank account with regular activity

We accept these business types:

• Sdn Bhd (preferred structure)
• Sole proprietorships
• Business partnerships
• Registered cooperatives

Note: New concrete businesses (1 year old) with strong client base are welcome. Banks typically require 3+ years operation history.

Credit Score Requirements

Excellent (750+):

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

Good (680-749):

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

Fair (620-679):

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

Below 620:

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

Financial Requirements

Document checklist:

• Business bank statements (6 months)
• Company financial statements (if available)
• Latest tax returns (corporate/individual)
• Client contracts or regular order confirmations
• Equipment quotation from authorized dealer

Income verification methods:

• Consistent deposits from concrete sales
• Client contracts showing regular orders
• Invoice records and payment receipts
• Supplier credit terms and payment history

Debt-to-income considerations:

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

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How to Apply for Concrete Mixer Financing

Step 1: Get Concrete Mixer Quotation

From authorized truck dealer or manufacturer:

• Choose your specific mixer truck model
• Request formal quotation (company letterhead)
• Include complete specifications (capacity, chassis, mixer)
• Get confirmed delivery timeframe

Key information needed:

• Chassis make and model (e.g., Hino 500 Series)
• Mixer capacity (e.g., 8m³)
• Engine specifications and power
• New or used (if used, year and mileage)
• Total price including delivery and setup
• Dealer contact information

Step 2: Prepare Required Documentation

Business documents:

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

Financial documents:

• Latest company financial statements
• Corporate tax returns (Form B/BE)
• Client contracts or regular orders
• Cash flow projections (for large loans)

Personal documents (Director/Owner):

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

Equipment documents:

• Concrete mixer quotation from dealer
• Complete specifications sheet
• Photos (if considering used equipment)
• Valuation report (if used, we can arrange)

Step 3: Submit Application

Option 1: WhatsApp (Fastest)

1. Save +60 17-570 0889 to contacts
2. Message “Concrete mixer financing inquiry”
3. Share mixer model and business details
4. Send all required documents via WhatsApp
5. Receive preliminary assessment quickly

Option 2: Email Submission

• Email: info@inghengcredit.com
• Subject: “Concrete Mixer Financing - [Your Company Name]”
• Attach all required documents
• Include contact number for follow-up

Option 3: Walk-In Consultation

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

Step 4: Fast Approval Process

Timeline breakdown:

• Application review: 1-2 business days
• Credit check and verification: 1-2 business days
• Approval decision: Much faster than traditional banks
• Documentation preparation: 2-3 business days
• Disbursement: After mixer truck delivery confirmation

What we evaluate:

• Concrete business viability and track record
• Credit history (with flexible criteria)
• Client contracts and expected revenue
• Repayment capacity based on cash flow
• Equipment value and market conditions

Step 5: Documentation & Disbursement

After approval confirmation:

1. Review and sign hire purchase agreement
2. Arrange down payment (if applicable)
3. Complete comprehensive insurance paperwork
4. Coordinate with dealer for delivery scheduling
5. We pay dealer directly upon delivery
6. Collect your concrete mixer and start operations
7. Begin concrete delivery services immediately

First payment due: 30 days after disbursement

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Real Concrete Mixer Financing Success Stories

Case Study 1: Ready-Mix Concrete Company

Customer: Medium ready-mix operator, Selangor Business: Daily concrete delivery to construction sites Equipment: Mercedes Arocs 10m³ concrete mixer Financing: RM 680,000 over 60 months

Why mixer financing worked perfectly:

• Growing demand for ready-mix supply
• Rental costs RM 1,500/day (unsustainable for daily use)
• We approved with 0% deposit (excellent payment history)
• Monthly payment: RM 13,100 (covered by daily operations)
• Daily revenue: RM 2,500-4,000 from concrete sales
• Return on investment: 12 months

Result: Increased delivery capacity by 40%, expanded to serve 2 additional areas

Case Study 2: Construction Contractor

Customer: Building contractor, Johor Business: Commercial and residential construction Equipment: Used Hino 500 7m³ mixer (3 years old) Financing: RM 320,000 over 48 months

Why used mixer financing worked:

• Multiple ongoing construction projects
• Need reliable on-site concrete supply
• We financed well-maintained used truck
• Monthly payment: RM 7,350
• Monthly concrete cost savings: RM 15,000 vs ready-mix
• Paid off loan early from project profits

Result: Reduced concrete costs by 30%, improved project timeline control

Case Study 3: Housing Developer

Customer: Property developer, Kuala Lumpur Business: Multiple housing project development Equipment: Fleet of 3 Isuzu FVZ 8m³ mixers Financing: RM 1,350,000 total over 72 months

Why fleet mixer financing worked:

• Large-scale housing development (500 units)
• Need consistent concrete supply for multiple phases
• We approved fleet financing package
• Monthly payment: RM 21,100 total for 3 mixers
• Monthly concrete supply requirement: 800m³
• Cost savings vs ready-mix: RM 40,000/month

Result: Completed development phases on schedule, secured 2 additional projects

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Concrete Mixer Financing vs Bank Financing

Why Choose Ing Heng Credit Over Traditional Banks?

Significantly Faster Approval:

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

Much Higher Approval Rate:

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

New Business Friendly:

• Banks: Require 3+ years operation minimum
• Us: Accept 1+ years with good client base

Used Equipment Acceptance:

• Banks: Limit to 5-7 years old maximum
• Us: Finance up to 10 years old equipment

Flexible Down Payment Options:

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

Lower Credit Score Acceptance:

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

Superior Industry Understanding:

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

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Frequently Asked Questions

Do I need a deposit for concrete mixer financing?

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

Can I finance used concrete mixers?

Yes! We specialize in used concrete mixer financing up to 10 years old. Banks typically limit to 5-7 years maximum. Used mixers cost 30-50% less than new, offer faster ROI, and provide proven reliability. Same 0% deposit option available for qualifying used equipment.

What mixer sizes can I finance?

We finance all sizes from mini mixers (3m³) to large transit mixers (12m³). Popular brands include Hino, Isuzu, Mercedes, Volvo, and all major truck manufacturers. Financing range: RM 180,000 to RM 800,000+.

How long does concrete mixer financing approval take?

Fast approval compared to traditional banks. We provide much quicker responses with streamlined processes and direct decision-making. Banks take 2-4 weeks for approval decisions. We understand concrete businesses need equipment urgently for client commitments.

What businesses need concrete mixer financing?

Ready-mix concrete companies, construction contractors, housing developers, infrastructure contractors, and precast manufacturers. Any business requiring reliable concrete delivery or on-site concrete production capabilities.

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Why Choose Ing Heng Credit for Concrete Mixer Financing?

40 Years Financing Heavy Equipment

Since 1985:

• Thousands of concrete mixers financed successfully
• Deep understanding of concrete and construction business
• Licensed by KPKT (Ministry of Housing)
• Trusted by Malaysian concrete operators nationwide

Concrete Industry Focused Solutions

We understand your specific needs:

• Daily operational requirements (consistent equipment uptime)
• Client delivery commitments (reliability critical)
• Seasonal construction patterns (cash flow variations)
• Equipment maintenance costs (budgeting considerations)

Flexible financing solutions:

• 0% deposit options available
• Up to 100% loan amount possible
• Extended tenure (up to 84 months)
• Fleet financing packages for multiple mixers

Comprehensive Equipment Coverage

Beyond concrete mixers, we also finance:

• Concrete pumps and boom pumps
• Batching plants and equipment
• Dump trucks and tipper trucks
• Cranes and material handling equipment
• Complete construction equipment fleets

Fleet financing packages available for multiple equipment purchases

Convenient Local Klang Office

Easy access for concrete operators:

• Walk-in consultations (no appointment necessary)
• Face-to-face personal service (discuss specific business needs)
• Easy to reach (Federal Highway, KESAS access)
• Extended operating hours: Mon-Fri 9AM-6PM, Sat 9AM-1PM

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

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Get Your Concrete Mixer with 0% Deposit Today

Ready to finance your concrete mixer with zero deposit? Stop renting and start owning your concrete delivery equipment.

Contact Ing Heng Credit now:

WhatsApp (Fastest Response): +60 17-570 0889

• Message “Concrete mixer financing inquiry”
• Share mixer model and business details
• Send required documents instantly
• Receive fast preliminary approval response

Email Communication:

• info@inghengcredit.com
• Subject: “Concrete Mixer Financing - [Your Company Name]”
• Attach all required documents
• Include contact number for quick follow-up

Walk-In Service:

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

What to prepare for application:

• Business registration documents (SSM)
• Bank statements (6 months)
• Concrete mixer quotation from dealer
• Client contracts (if available)

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Related Concrete Equipment Financing

Looking for other concrete equipment?

• Concrete Pump Financing - 0% deposit pumping equipment
• Batching Plant Financing - Complete concrete production
• Crane Financing - Material handling equipment
• Dump Truck Financing - Material transport vehicles

Construction Equipment Hub:

• All Equipment Financing - Complete range of construction equipment

Financial 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 concrete mixer financing, construction equipment hire purchase, and heavy machinery loans for Malaysian concrete operators since 1985.

Get concrete mixer financing with 0% deposit and up to 100% loan amount. Fast approval for concrete and construction businesses. Contact us today.