# Large Fleet 2026 - 10+ Units Strategy Malaysia Expanding with 10+ equipment units? Large fleet strategy with priority benefits available in 2026. ## What is Large Fleet Financing? Large Fleet means: - 10+ units single facility - Priority processing - Customized structure - Dedicated support ## 2026 Large Fleet Benefits **Priority Advantages:** 1. **Special Interest Rates** - Fleet rate: 0.5-1.0% lower - Volume discount - Long-term partnership - Preferred customer status 2. **Priority Processing** - Dedicated manager - Fast-track approval - 24-48 hour decision - VIP handling 3. **Custom Structure** - Tailored terms - Staggered repayment - Progressive funding - Flexible conditions 4. **Package Savings** - No application fees - Single legal cost - Bulk documentation - Unified management ## Real Large Fleet Examples **Fleet 1: Construction (12 Units)** **Equipment:** - 6x Komatsu PC200 (RM 1,080k) - 4x ISUZU lorries (RM 480k) - 2x Toyota forklifts (RM 90k) - **Total: RM 1,650,000** **Individual Financing:** - 12 applications - Rate: 5.2% average - Complex management - Different terms **Large Fleet:** - Single facility - Rate: 4.4% (0.8% lower) - 5-year term - Monthly: RM 30,600 - **Savings: RM 5,600/month = RM 336,000 total** **Fleet 2: Logistics (15 Units)** **Equipment:** - 10x ISUZU NPR lorries (RM 800k) - 5x FUSO canters (RM 350k) - **Total: RM 1,150,000** **Large Fleet:** - Priority rate: 4.3% - 5-year term - Monthly: RM 21,300 - Progressive delivery - Phase 1: 8 units now - Phase 2: 7 units in 3 months **Fleet 3: Warehouse (18 Units)** **Equipment:** - 12x Toyota 3-ton forklifts (RM 540k) - 6x Toyota 5-ton forklifts (RM 330k) - **Total: RM 870,000** **Large Fleet:** - Special rate: 4.2% - 4-year term - Monthly: RM 19,500 - Staggered delivery over 6 months - Training included ## Large Fleet vs SME Package | Feature | SME Package (5-9) | Large Fleet (10+) | |---------|------------------|-------------------| | **Interest Rate** | 4.7-5.0% | 4.2-4.6% | | **Processing** | 48-72 hours | 24-48 hours | | **Support** | Standard | Dedicated | | **Structure** | Flexible | Custom | | **Discounts** | Standard | Enhanced | | **Management** | Unified | VIP | ## 2026 Large Fleet Rates **Volume-Based Pricing:** | Fleet Size | Standard Rate | Fleet Rate | Monthly Savings* | |------------|---------------|------------|------------------| | **10 units** | 5.0-5.5% | 4.4-4.8% | RM 4,000-6,000 | | **15 units** | 5.0-5.5% | 4.2-4.6% | RM 6,000-10,000 | | **20+ units** | 5.0-5.5% | 4.0-4.4% | RM 10,000-15,000 | *Savings based on RM 1M facility, 5-year term ## Large Fleet Structure Options **Custom Arrangements:** **Option 1: Blanket Facility** - Single RM amount approved - Draw down as needed - Pay interest on used amount - Maximum flexibility **Option 2: Tranche Funding** - Tranche 1: 40% now - Tranche 2: 30% in 6 months - Tranche 3: 30% in 12 months - Matches deployment **Option 3: Progressive Delivery** - Units delivered monthly - Payment starts per unit - Cash flow matched - Staggered commitment **Option 4: Seasonal Adjustment** - Lower payments off-season - Higher payments peak season - Flexible structure - Customized to industry ## Large Fleet by Equipment Type **Construction Fleet (10-20 units):** - Excavators, backhoes, loaders - High value per unit - Long-term projects - 5-7 year terms **Logistics Fleet (10-30 units):** - Lorries, prime movers, vans - Medium value per unit - Recurring revenue - 4-6 year terms **Warehouse Fleet (15-30 units):** - Forklifts, stackers, reach trucks - Lower value per unit - High volume - 3-5 year terms **Mixed Fleet (10+ units):** - Combination across types - Custom structure - Varied terms - Flexible deployment ## 2026 Large Fleet Documentation **Required Documents:** 1. **Business Documents** - SSM registration - Business license - 2 years audited accounts - 24 months bank statements 2. **Fleet Plan** - Complete equipment list - Deployment schedule - Utilization plan - Revenue projection 3. **Business Strategy** - Expansion plan - Market analysis - Client contracts - Growth targets 4. **Management Team** - Organizational structure - Key personnel - Experience - Capacity ## Large Fleet Approval Criteria **We Evaluate:** 1. **Business Scale** (30%) - Revenue size - Market position - Growth trajectory - Industry presence 2. **Management Capability** (25%) - Experience level - Team strength - Track record - Systems in place 3. **Fleet Viability** (25%) - Equipment selection - Deployment plan - Utilization rate - Revenue projection 4. **Financial Health** (20%) - Cash flow - Profitability - Debt ratio - Future potential ## Priority Processing Benefits **VIP Treatment:** 1. **Dedicated Manager** - Single point of contact - Personal attention - Direct communication - Problem solving 2. **Fast-Track Approval** - Priority queue - Quick assessment - 24-48 hour decision - Immediate response 3. **Simplified Process** - Less documentation - Online submissions - Digital signatures - Quick verification 4. **Ongoing Support** - Account management - Regular review - Restructuring options - Additional facilities ## Real Large Fleet Success **Case: Logistics Company Expansion** **Background:** - 5-year logistics company - Current: 12 lorries - Opportunity: National contract - Need: 20 more lorries **Large Fleet Facility:** - 20x ISUZU NPR (RM 1.6M) - Fleet rate: 4.1% - 5-year term - Monthly: RM 29,500 - Progressive delivery: - Phase 1: 10 units (Month 1) - Phase 2: 6 units (Month 4) - Phase 3: 4 units (Month 7) **Savings vs Individual:** - Standard rate: 5.2% - Monthly individual: RM 34,000 - **Savings: RM 4,500/month = RM 270,000 total** **Outcome:** - Contract secured - Fleet operational - Revenue tripled - Repaying comfortably ## Large Fleet vs Bank Financing **Bank Approach:** - Multiple applications required - Standard rates only - Complex collateral - 3-4 weeks processing - Rigid terms **Large Fleet Advantage:** - Single facility - Special rates - Equipment collateral - 24-48 hours - Custom terms ## 2026 Large Fleet Add-Ons **Additional Benefits:** 1. **Insurance Package** - Fleet insurance discount - Single policy - Easier management - Lower premium 2. **Maintenance Support** - Preferred service rates - Priority scheduling - Bulk discounts - Extended warranty 3. **Replacement Planning** - Upgrade path - Trade-in options - Add-on facilities - Expansion priority 4. **Refinancing Options** - Restructuring available - Rate adjustment - Term extension - Additional capital ## Bad Credit Large Fleet **Challenge:** - Need 10+ units - CCRIS issues - Banks rejected **Large Fleet Solution:** - Equipment-focused approval - Business strength primary - Fleet value secondary - Income-based repayment - Still possible ## Large Fleet for Startups **Challenge:** - New business - Big contract won - Need 10+ units - No track record **Banks:** Reject (no history) **Large Fleet:** Consider based on: - Contract strength - Management experience - Equipment viability - Revenue projection - **Approval possible** ## 2026 Large Fleet Tips **Tip 1: Plan Deployment Phases** - Don't deploy all at once - Match to revenue - Progressive rollout - Cash flow aligned **Tip 2: Choose Equipment Mix** - New + used combination - Various capacities - Brands with resale - Optimal utilization **Tip 3: Prepare Strong Business Case** - Future contracts - Market analysis - Growth strategy - Management team **Tip 4: Consider Long-Term Partnership** - Beyond first fleet - Upgrade planning - Expansion path - Relationship value ## Get Large Fleet Assessment Planning 10+ equipment units? Contact Ing Heng for large fleet priority assessment with special rates. --- **Starting smaller?** See [SME Equipment Package](/blog/sme-equipment-package-2026-5-units-deal).