Crane Bad Credit 2026: 0% Down Payment Approval Available
Crane financing with bad credit 2026. 0% down payment, 100% full loan approved. Bank rejected? We approve.
Bad Credit? Need Crane Financing?
Bank rejected you. CTOS score low. Payment history bad. Business struggling. We understand. Bad things happen. Pandemic. Economy down. Clients didn't pay. It's not your fault. You still need crane to work. We approve bad credit.
Why Banks Reject Bad Credit
- CTOS Score: Below 650 = auto reject
- Payment History: Late payments flagged
- Defaults: Previous loans unpaid
- CCRIS: Too many enquiries
- Policy: Strict computer approval
How We Approve Bad Credit
- Human Review: Real person looks at your case
- Story Matters: We listen to explanation
- Business Focus: Can you repay? That's important
- Asset Value: Crane is good security
- Future Potential: Not just past problems
Bank vs. Ing Heng Credit
| Factor | Bank | Ing Heng Credit |
|---|---|---|
| Bad Credit | Rejected | Considered |
| CTOS Score | Must be high | Not critical |
| Down Payment | 20-30% | 0% |
| Approval | Computer says no | Human decides |
| Time | 2-4 weeks | 48 hours |
Common Bad Credit Reasons
- Business Loss: Pandemic affected income
- Client Default: Customers didn't pay you
- Medical: Health problems caused debt
- Divorce: Family issues impacted finances
- Previous Business: Failed venture
- Guarantor: Helped someone who defaulted
We Understand Real Life
Banks see numbers. We see people. We know:
- COVID-19 hurt many businesses
- Construction slows down sometimes
- Clients delay payments
- Life happens unexpectedly
- Good people have bad luck
What We Need for Approval
1. Your Story
- Explain what happened
- Be honest about problems
- Show how you're fixing it
2. Current Business
- Active contracts or projects
- Income statements
- Bank statements (6 months)
- Business registration
3. Crane Details
- Which crane you need
- How it will generate income
- Project contracts or letters
0% Down Payment for Bad Credit
Banks require high down payment for bad credit:
RM400,000 Crane:
- Bank wants 20-30% down: RM80,000-RM120,000
- If you have bad credit, maybe 40%: RM160,000
With Ing Heng:
- 0% down payment
- 100% full loan
- Save RM80,000-RM160,000 cash
Rebuild Your Credit
Getting crane financing helps rebuild credit:
- On-Time Payments: We report good payment history
- Asset Ownership: Builds your net worth
- Business Growth: Better income improves score
- Future Access: Easier financing next time
Success Story
"Had bad credit from failed business 2020. CTOS score 520. Bank rejected everything. Needed 50-ton mobile crane for new contracts. Bank said NO. Found Ing Heng online. Applied and explained my situation. Past business failed due to partner cheating. New business is good with contracts. Ing Heng approved in 48 hours. 0% down payment. 100% full loan. Got crane. Completed projects. Paid on time every month. CTOS score now 680. Business grown from 1 crane to 3. Ing Heng gave me second chance when nobody would."
β Ahmad Firdaus, Crane Owner
Apply Now
Don't let bad credit stop your business. We understand. We approve.
Choose Ing Heng Credit:
- Bad credit considered
- 0% down payment
- 100% full loan
- 48-hour approval
- Second chance given
Bad Credit? Need Crane?
0% down payment, 100% full loan, bad credit approved. Get your crane in 48 hours.
Contact: +60175700889 (WhatsApp) | 03-3324 8899 (Phone)
Join 4,000+ businesses who have trusted Ing Heng Credit since 1985.