Grader Financing Malaysia: 0% Deposit Road Building Equipment Loans

Grader Financing Malaysia: Get Your Motor Grader with 0% Deposit

Need a motor grader for road construction or infrastructure projects? Getting financing should not slow down your operations. At Ing Heng Credit, we offer grader financing with zero deposit required and loans up to 100% of equipment value.

Whether you need a compact grader for residential roads or a large motor grader for highway construction, we help Malaysian contractors and developers access the road building equipment they need to complete projects on time.

Why contractors choose us for grader financing:

• 0% deposit required for qualified applicants
• Finance up to 100% of grader value
• Fast approval compared to banks (we respond much quicker)
• High success rate for qualified contractors
• Used graders 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 Motor Grader Instead of Renting?

1. Stop Paying Rental Fees Forever

Rental costs add up fast:

• Small grader (140H): RM 8,000-12,000/month
• Medium grader (16H): RM 15,000-20,000/month
• Large grader (24M): RM 25,000-35,000/month

Example: Medium motor grader rental

• Monthly rental: RM 18,000
• 2-year project: RM 432,000
• Result: RM 432,000 spent, zero assets owned

Instead, finance with 0% deposit:

• Grader price: RM 800,000
• Finance 100%: RM 800,000 loan
• Monthly payment (60 months, 7% p.a.): RM 15,840
• After 5 years: Own RM 800,000 grader, save RM 300,000

2. Own the Asset from Day One

When you finance a motor grader:

• Build company assets for balance sheet
• Depreciation benefits for tax purposes
• Use grader for multiple projects (not just one)
• Sell or trade-in when upgrading equipment
• No daily rental charges eating project profits

3. Win More Infrastructure Contracts

Many government and large-scale projects require:

• Proof of owned equipment (not rental dependency)
• Financial stability (assets on balance sheet)
• Long-term capability (not limited by rental availability)
• Equipment reliability guarantees

Owning your motor grader makes you more competitive for major road construction contracts.

4. Better Project Cash Flow Management

Spread the cost over 36-84 months:

• Manage seasonal income fluctuations
• Align payments with project progress claims
• Preserve working capital for materials and labor
• Pay from project profits, not cash reserves

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Types of Motor Graders We Finance

Compact Graders (100-150 HP)

Best for:

• Residential road construction
• Small commercial developments
• Municipal maintenance projects
• Rural road improvement
• Parking lot grading

Popular models:

• Caterpillar 140 series
• John Deere 670G
• Komatsu GD555
• XCMG GR135

Typical price range: RM 400,000 - RM 800,000

Common applications:

• Housing development roads
• Industrial estate access roads
• Small highway sections
• Airport taxiway construction
• Subdivision infrastructure

Medium Graders (150-250 HP)

Best for:

• Highway construction
• Major road projects
• Airport runway construction
• Mining haul roads
• Large infrastructure development

Popular models:

• Caterpillar 160 series
• John Deere 770G/772G
• Komatsu GD655/GD705
• XCMG GR165/GR180

Typical price range: RM 700,000 - RM 1,500,000

Common applications:

• Federal highway construction
• State road improvement projects
• Industrial complex access roads
• Port and terminal development
• Major subdivision infrastructure

Large Graders (300+ HP)

Best for:

• Major highway projects
• Mining operations
• Large-scale earthworks
• Airport runway construction
• International infrastructure projects

Popular models:

• Caterpillar 24 series
• John Deere 870G/872G
• Komatsu GD825/GD955
• XCMG GR215/GR300

Typical price range: RM 1,500,000 - RM 3,500,000+

Common applications:

• North-South Expressway projects
• ECRL railway construction
• Major mining haul roads
• International airport runways
• Large-scale land development

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Industries That Need Motor Grader Financing

Road Construction & Infrastructure

Typical projects:

• Highway and expressway construction
• Federal and state road improvement
• Bridge approach construction
• Interchange development
• Road maintenance contracts

Why grader financing helps:

• Large upfront equipment cost (RM 800K-3M)
• Long project duration (12-36 months)
• Payment tied to progress claims
• Preserve cash for asphalt, concrete, and labor

Airport & Aviation Infrastructure

Typical applications:

• Runway construction and maintenance
• Taxiway development
• Apron area grading
• Airport expansion projects
• Aviation facility development

Why grader financing helps:

• Aviation projects require precision equipment
• Strict quality standards demand reliable graders
• Long-term contracts justify ownership
• Equipment must be available 24/7

Mining & Quarry Operations

Typical projects:

• Haul road construction and maintenance
• Mine site preparation
• Stockpile area development
• Access road construction
• Site rehabilitation

Why grader financing helps:

• Mining requires continuous road maintenance
• Rental costs unsustainable for daily operations
• Ownership provides operational flexibility
• Multiple mine sites need equipment mobility

Municipal & Government Projects

Typical applications:

• City road maintenance
• Rural road improvement
• Drainage system construction
• Infrastructure upgrade projects
• Emergency road repairs

Why grader financing helps:

• Government contracts have reliable payment
• Multiple projects require year-round equipment
• Ownership more economical than long-term rental
• Equipment availability for emergency response

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New vs Used Motor Grader Financing

New Motor Grader Financing

Advantages:

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

Typical financing:

• 0% deposit possible
• Finance up to 100% of value
• 60-84 month tenure options
• RM 800,000 - RM 3,500,000 range

Best for:

• Large contractors with strong cash flow
• Long-term road construction projects
• Companies prioritizing technology and efficiency
• Businesses needing warranty coverage

Used Motor Grader Financing

Advantages:

• 40-50% 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 contractors

Typical financing:

• 0% deposit available for good credit
• Finance up to 100% of appraised value
• 36-60 month tenure options
• RM 300,000 - RM 1,500,000 range

Best for:

• New businesses (1-3 years old)
• Short to medium-term projects
• Contractors building equipment fleet
• Budget-focused operations

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

Example cost comparison:

Grader Type	New Price	Used Price (5 yrs)	Savings
Compact (140H)	RM 650,000	RM 350,000	46%
Medium (16H)	RM 1,200,000	RM 650,000	46%
Large (24M)	RM 2,800,000	RM 1,400,000	50%

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Motor Grader Financing Options Explained

Option 1: 0% Deposit (100% Financing)

How it works:

• Finance 100% of grader value
• Zero upfront payment required
• Start operations immediately
• Preserve all working capital for projects

Best for:

• Urgent project requirements
• Cash-strapped contractors
• Unexpected equipment failure
• Seasonal business (low cash period)

Requirements:

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

Example (Caterpillar 160M):

• Grader price: RM 1,100,000
• Down payment: RM 0
• Financed amount: RM 1,100,000
• Interest rate: 7.5% p.a.
• Tenure: 60 months
• Monthly payment: RM 21,870

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:

• Contractors with some cash reserves
• Businesses wanting to save on interest
• Projects with confirmed revenue streams
• Operators prioritizing lower monthly costs

Requirements:

• Fair credit score (620+)
• Business 1+ years old minimum
• Project contracts or established client base
• Ability to pay 10% upfront deposit

Example (Caterpillar 160M):

• Grader price: RM 1,100,000
• Down payment: RM 110,000 (10%)
• Financed amount: RM 990,000
• Interest rate: 6.8% p.a.
• Tenure: 60 months
• Monthly payment: RM 19,500
• Savings vs 0% deposit: RM 2,370/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 businesses
• Long-term equipment investment strategy
• Companies prioritizing total cost savings
• Operators with strong balance sheet

Requirements:

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

Example (Caterpillar 160M):

• Grader price: RM 1,100,000
• Down payment: RM 220,000 (20%)
• Financed amount: RM 880,000
• Interest rate: 6.5% p.a.
• Tenure: 60 months
• Monthly payment: RM 17,250
• Savings vs 0% deposit: RM 4,620/month

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Motor Grader Financing Eligibility & Requirements

Business Requirements

Basic eligibility criteria:

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

We accept these business types:

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

Note: New businesses (1 year old) with strong projects 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)
• Project contracts or purchase orders
• Equipment quotation from authorized dealer

Income verification methods:

• Consistent deposits in business account
• Client contracts showing expected revenue
• Project progress claims and payments
• Signed purchase orders from clients

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 Motor Grader Financing

Step 1: Get Motor Grader Quotation

From authorized dealer or supplier:

• Choose your specific grader model
• Request formal quotation (company letterhead)
• Include complete specifications (HP, model year)
• Get confirmed delivery timeframe

Key information needed:

• Make and model (e.g., Caterpillar 160M)
• Engine power (e.g., 175 HP)
• Operating weight and dimensions
• New or used (if used, year and operating hours)
• 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 (Borang B/BE)
• Project contracts or purchase 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:

• Motor grader 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 “Motor grader financing inquiry”
3. Share grader model and project details
4. Send all required documents via WhatsApp
5. Receive preliminary assessment quickly

Option 2: Email Submission

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

Option 3: Walk-In Consultation

• Visit our Klang office for face-to-face 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 grader delivery confirmation

What we evaluate:

• Business viability and track record
• Credit history (with flexible criteria)
• Project 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 motor grader and start operations
7. Begin productive work immediately

First payment due: 30 days after disbursement

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Real Motor Grader Financing Success Stories

Case Study 1: Highway Construction Company

Customer: Medium-sized contractor, Johor Project: Federal highway expansion project Equipment: Caterpillar 16M motor grader Financing: RM 1,400,000 over 72 months

Why grader financing worked perfectly:

• Government contract required owned equipment proof
• Banks rejected application (business only 2.5 years old)
• We approved with 10% deposit requirement
• Monthly payment: RM 21,875 (covered by progress claims)
• Project revenue: RM 150,000/month guaranteed
• Return on investment: 15 months

Result: Completed highway project successfully, won 3 additional road contracts using same grader

Case Study 2: Mining Support Contractor

Customer: Specialized contractor, Pahang Project: Multiple mining haul road maintenance Equipment: Used Komatsu GD825 (4 years old) Financing: RM 650,000 over 48 months

Why used grader financing worked:

• Needed reliable grader for continuous operations
• New grader costs RM 1.5M (budget too tight)
• We financed well-maintained used equipment
• Monthly payment: RM 14,950
• Grader operates 12 hours daily, 6 days weekly
• Paid off loan early from consistent earnings

Result: Operational efficiency increased 50%, expanded to serve 3 additional mining sites

Case Study 3: Municipal Road Contractor

Customer: Local contractor, Selangor Project: Multiple municipal road improvement contracts Equipment: John Deere 770G motor grader Financing: RM 950,000 over 60 months

Why municipal grader financing worked:

• Government contracts provide stable income
• Multiple small projects required consistent equipment availability
• We approved with 0% deposit (excellent credit history)
• Monthly payment: RM 18,250
• Contracts total RM 80,000/month revenue
• Equipment pays for itself through reliable work

Result: Became preferred municipal contractor, secured long-term maintenance contract worth RM 5M

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Motor Grader 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 active projects

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 equipment specifically

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Frequently Asked Questions

Do I need a deposit for grader financing?

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

Can I finance used motor graders?

Yes! We specialize in used motor grader financing up to 10 years old. Banks typically limit to 5-7 years maximum. Used graders cost 40-50% less than new, offer faster ROI, and provide proven reliability. Same 0% deposit option available for qualifying used equipment.

What grader sizes can I finance?

We finance all sizes from compact graders (100 HP) to large motor graders (500+ HP). Popular brands include Caterpillar, Komatsu, John Deere, XCMG, and all major manufacturers. Financing range: RM 400,000 to RM 3,500,000+.

How long does grader 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 contractors need equipment urgently for project deadlines.

What projects need motor grader financing?

Road construction projects, highway development, airport runway construction, mining haul roads, municipal infrastructure, land development, and any project requiring precise grading and road building capabilities.

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Why Choose Ing Heng Credit for Motor Grader Financing?

40 Years Financing Heavy Equipment

Since 1985:

• Thousands of graders financed successfully
• Deep understanding of road construction business
• Licensed by KPKT (Ministry of Housing)
• Trusted by Malaysian contractors nationwide

Road Construction Focused Solutions

We understand your specific needs:

• Seasonal income patterns (monsoon impacts, festivals)
• Project payment delays (30-90 day payment cycles)
• Equipment breakdown urgencies (critical project deadlines)
• Cash flow challenges (materials, labor, fuel costs)

Flexible financing solutions:

• 0% deposit options available
• Up to 100% loan amount possible
• Extended tenure (up to 84 months)
• Balloon payment structures available

Comprehensive Equipment Coverage

Beyond motor graders, we also finance:

• Excavators and wheel loaders
• Bulldozers and compactors
• Dump trucks and prime movers
• Cranes and material handling equipment
• Complete construction equipment fleets

Fleet financing packages available for multiple equipment purchases

Convenient Local Klang Office

Easy access for contractors:

• Walk-in consultations (no appointment necessary)
• Face-to-face personal service (discuss specific projects)
• 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 Motor Grader with 0% Deposit Today

Ready to finance your motor grader with zero deposit? Stop renting and start owning your road building equipment.

Contact Ing Heng Credit now:

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

• Message “Motor grader financing inquiry”
• Share grader model and project details
• Send required documents instantly
• Receive fast preliminary approval response

Email Communication:

• info@inghengcredit.com
• Subject: “Motor Grader 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)
• Motor grader quotation from dealer
• Project contracts (if available)

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Related Road Construction Equipment Financing

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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 motor grader financing, road construction equipment hire purchase, and heavy machinery loans for Malaysian contractors since 1985.

Get motor grader financing with 0% deposit and up to 100% loan amount. Fast approval for road construction and infrastructure projects. Contact us today.