Heavy Equipment Financing - 0% Down Payment Malaysia 2026

Banks Want Big Down Payment

When you apply for heavy equipment financing at banks, they ask for 10-20% down payment. This means you need lots of cash upfront.

For a RM 200,000 excavator, you need RM 20,000 to RM 40,000 down. Most contractors cannot afford this.

Banks also limit financing to 90% of equipment value. They reject equipment older than 5 years.

Ing Heng Offers 0% Down Payment

We provide heavy equipment financing with zero down payment. You get 100% full loan. No age limit on equipment.

Our interest rates compete with bank rates of 4.6% to 6.0% per year.

Compare: Banks vs Ing Heng

Feature	Banks	Ing Heng Credit
Down Payment	10-20%	0%
Loan Amount	90%	100%
Max Equipment Age	5 years	No limit
Interest Rate	4.6% - 6.0%	Competitive

Real Savings Example

Heavy Equipment: RM 200,000 Excavator

Bank Financing:

• Down payment: RM 20,000 - RM 40,000
• Loan: RM 180,000 maximum
• Equipment age: Under 5 years only

Ing Heng Financing:

• Down payment: RM 0
• Loan: RM 200,000 (100%)
• Equipment age: Any age

You save RM 20,000 to RM 40,000 cash with Ing Heng.

Equipment We Finance

• Excavators (all sizes)
• Bulldozers
• Cranes
• Forklifts
• Lorries
• Prime movers

Prices starting from:

• Used forklift: RM 15,000
• Used Komatsu: RM 34,000
• Used CAT: RM 50,000
• New premium: RM 200,000 - 500,000+

Why 0% Down Payment Matters

In 2026, cash flow is crucial for contractors. With 0% down payment, you can:

• Start projects immediately
• Keep cash for operations
• Buy more equipment
• Grow your business faster

Fast Approval Process

Apply for heavy equipment financing today. We approve faster than banks.

Contact Us Now: WhatsApp: +60175700889 Website: inghengcredit.com Email: info@inghengcredit.com

Get heavy equipment financing with 0% down payment in 2026.