Crane Bank Rejected 2026: Alternative Financing, 0% Down Payment

Bank Rejected Your Crane Financing?

Bank said no. Rejection letter in hand. Dream of crane ownership crushed. Project maybe lost. Business stalled. Don't give up. Bank rejection is not the end. We approve when banks reject. 0% down payment. 100% full loan. 48-hour approval.

Why Banks Reject Crane Financing

• Age Limit: Crane older than 5 years
• Down Payment: You don't have 10-20% cash
• Credit Score: CTOS score too low
• Business Age: Company less than 3 years
• Documentation: Papers not complete
• Industry: Construction considered risky
• Computer Says No: No human review

We Approve What Banks Reject

Rejection Reason	Bank	Ing Heng Credit
Crane 8+ Years Old	Rejected	Approved
No Down Payment	Rejected	Approved
Low Credit Score	Rejected	Considered
New Business	Rejected	Approved
Used Equipment	Rejected	Approved

Real Bank Rejection Stories

Story 1: Crane Too Old

"Wanted 50-ton mobile crane. Found good used crane for RM220,000. 10 years old. Perfect condition. Bank rejected: 'Equipment too old.' Bank wanted RM500,000 for new crane. Didn't have that much. Came to Ing Heng. Approved used crane in 48 hours. 0% down payment."

Story 2: No Down Payment

"Needed 20-ton mobile crane. RM180,000. Bank approved but required 20% down (RM36,000). Didn't have cash. All money tied in operations. Bank withdrew approval. Ing Heng approved with 0% down. Got crane immediately."

Story 3: New Business

"Started crane rental business. Had contracts lined up. Bank rejected: 'Business less than 3 years.' Ing Heng looked at contracts, not business age. Approved 100-ton mobile crane. Business now thriving."

Our Approval Process

Step 1: Tell Us Your Situation

• Why bank rejected
• What crane you need
• Your business situation

Step 2: We Review Your Case

• Real person looks at application
• Not computer auto-reject
• Consider full picture

Step 3: Fast Approval

• Decision in 48 hours
• 0% down payment
• 100% full loan

Step 4: Get Your Crane

• Purchase crane
• Start working
• Make money

Benefits of Our Financing

• 0% Down Payment: Keep your cash
• 100% Full Loan: Complete financing
• No Age Limit: Old cranes OK
• Used Equipment: Save money
• Fast Approval: 48 hours
• Human Review: Real decisions

Why We Say Yes When Banks Say No

We're different from banks:

• Experience: 40+ years in equipment financing
• Understanding: We know construction industry
• Flexible: Not bound by strict bank rules
• Asset Focused: Crane value matters more
• Relationship: We build partnerships

Don't Waste Time Reapplying to Banks

Bank rejection means:

• All banks use similar criteria
• CTOS records shared
• Second rejection likely
• Time wasted
• Projects delayed

Come to us directly:

• Different approval criteria
• Faster decision
• Better terms
• Higher approval rate

Apply Now After Bank Rejection

Bank rejection letter? Bring it. We'll approve what they rejected.

Choose Ing Heng Credit:

• Bank rejection OK
• 0% down payment
• 100% full loan
• 48-hour approval
• Second chance given

Join 4,000+ businesses who have trusted Ing Heng Credit since 1985.