Starting Point (2023): Ahmad was an excavator operator for 10 years. Wanted to start his own business but had only RM15,000 savings. Banks rejected him due to insufficient capital and CTOS issues.

Our Solution: Approved him for a used 25-ton excavator with 0% down payment and 100% financing. Machine was 8 years old (banks would reject).

First Year: Worked as subcontractor for larger contractors. Earned RM25,000-35,000 per month. Made all payments on time.

Second Year: Added a backhoe loader with 0% down. Started taking direct contracts. Monthly income grew to RM50,000.

Today (2026): Owns 5 machines including 2 excavators, backhoe, loader, and dump truck. Employs 4 operators. Monthly revenue RM120,000+. Just bought new house and paid cash.

"0% down payment made it possible. Without that, I'd still be operating someone else's machine."

Starting Point (2022): Raj's previous construction business failed during COVID. Left with bad credit and RM20,000 debt. Banks wouldn't even look at his application.

Our Solution: Looked past his credit score. Saw his 15 years construction experience. Approved wheel loader with 0% down payment.

First Year: Started small - drainage, site prep, residential work. Word spread about his reliability. Reinvested profits into marketing.

Second Year: Added skid steer and second dump truck. Hired his brother as operator. Took on larger commercial projects.

Today (2026): Owns construction company with 7 machines. Employs 12 people. Just won contract for housing development worth RM2.5 million. Credit score now excellent.

"They saw my potential, not my past problems. Now I'm helping others start their construction businesses."

Starting Point (2023): Mei Ling was a project manager but wanted her own company. No equipment experience. Only RM25,000 savings. Banks said no - too risky for first-time business owner.

Our Solution: Approved her for complete starter package - excavator, loader, and 2 dump trucks. 0% down on everything. 100% financing.

First Year: Hired experienced operators. Focused on what she knew - project management. Built reputation for completing projects on time.

Second Year: Expanded into road construction. Added paver and roller with 0% down payment. Won government subcontract for road maintenance.

Today (2026): Runs successful construction company specializing in site prep and road works. 15 machines, 30 employees. Annual revenue RM8 million. Proving women succeed in construction.

"0% down payment gave me the chance to prove myself. Now I'm winning contracts against big companies."

Starting Point (2021): Suresh was a dump truck driver. Dreamed of owning fleet but had zero savings. Family needed financial support. Seemed impossible.

Our Solution: Approved first dump truck with 0% down. Old truck (12 years) that banks would never finance.

First 2 Years: Drove truck himself. Every ringgit earned went to payments and saving for next truck. Worked 12-14 hours daily.

Years 3-4: Added 3 more dump trucks. Hired drivers. Started earthmoving contracts. Revenue RM80,000 monthly.

Today (2026): Owns logistics and earthmoving company. 20 dump trucks, 5 excavators, 2 dozers. 50 employees. Just bought RM2 million warehouse. Net worth over RM5 million.

"One truck with 0% down changed my family's life forever. Hard work plus opportunity = success."

Starting Point (2022): Five friends - all experienced in different construction trades. Wanted to start company but together only had RM40,000. Not enough for bank down payments.

Our Solution: Approved complete fleet - 2 excavators, loader, backhoe, roller, 3 dump trucks. 0% down on everything. Total value RM1.2 million.

First Year: Each friend handled different area - excavation, drainage, site prep, transport, client relations. Synergy created success.

Second Year: Added crane and concrete pump. Took on larger projects. Reputation for complete capability grew fast.

Today (2026): Partnership now employs 60 people. Owns 30 machines worth RM8 million. Annual revenue RM15 million. Recently won RM10 million highway project. Each partner earns RM80,000+ monthly.

"0% down payment let five regular guys build a construction empire. Now we're creating jobs for others."