# Construction Equipment Financing - SME Startup 2026 ## Banks Don't Support SME Startups Well When SMEs want to start construction businesses, banks require 10-20% down payment. They only finance 90% of equipment value. For startup equipment costing RM 100,000, banks want RM 10,000 to RM 20,000 down. New SMEs often don't have this cash. Banks also reject equipment older than 5 years and have strict requirements for new businesses. ## Ing Heng Helps SME Startups Grow We provide construction equipment financing with 0% down payment. You get 100% full loan. No age limit on equipment. Our rates compete with bank rates of 4.6% to 6.0% per year. We welcome SME startups. ## Comparison: Banks vs Ing Heng | Feature | Banks | Ing Heng Credit | |---------|-------|-----------------| | Down Payment | 10-20% | 0% | | Loan Amount | 90% | 100% | | Equipment Age | Under 5 years | No limit | | SME Support | Strict | Welcome | ## Real Example: SME Startup Equipment Startup Equipment Package: RM 100,000 **Bank Financing:** - Down payment: RM 10,000 - RM 20,000 - Loan: RM 90,000 maximum - Strict requirements for SMEs - Equipment must be under 5 years old **Ing Heng Financing:** - Down payment: RM 0 - Loan: RM 100,000 (100%) - SME-friendly application - Any age equipment accepted Save RM 10,000 to RM 20,000 cash with Ing Heng. ## Equipment Packages for SME Startups We help SME startups with flexible packages: - Mini excavator: From RM 34,000 - Small forklift: From RM 15,000 - Used lorry: From RM 40,000 - Startup package: Multiple equipment ## 2026 SME Opportunities The 2026 budget supports SME growth: - Government infrastructure projects - Construction sector expansion - Equipment purchase incentives - SME development grants ## Why Choose Ing Heng for SME Startup With 0% down payment: - Start business with minimal cash - Get 100% equipment financing - Build your fleet gradually - No age limit on equipment - Fast approval process ## SME Startup Success Stories Many SMEs started with Ing Heng financing: - Small contractors grew their fleet - New construction companies launched - Family businesses expanded equipment - Startup contractors won tenders ## Apply for SME Equipment Financing Start your construction business in 2026 with 0% down payment equipment financing. **Contact Us:** **WhatsApp:** +60175700889 **Website:** inghengcredit.com **Email:** info@inghengcredit.com Get construction equipment financing for your SME startup with 0% down payment.