Machinery Finance Company Malaysia | 0% Down, RM10M Loans | 40 Years Trusted

Why Choose a Specialist Machinery Finance Company?

Banks treat equipment loans like car loans. They don't understand machinery. They reject good deals because of rigid rules. A specialist machinery finance company understands equipment. We know a 10-year-old excavator can work perfectly. We know construction season matters. We know equipment types.

When you choose Ing Heng Credit, you choose 40 years of equipment expertise. We've financed 4,000+ machines. We understand your business.

Ing Heng Credit - 40 Years of Experience

Since 1985, Ing Heng Credit & Leasing Sdn Bhd has been Malaysia's trusted machinery finance company. Four decades of helping businesses grow through equipment financing. We've seen every industry. We've financed every machine type.

Our Track Record:

• 4,000+ satisfied customers
• 40 years in business
• RM10 million maximum loan amount
• All machinery types accepted
• Fast approval process

Bank vs. Ing Heng Credit - Clear Difference

Feature	Bank	Ing Heng Credit
Down Payment	10-20%	0%
Financing	80-90%	100%
Equipment Age Limit	Maximum 5-7 years	NO limit
Approval Time	2-4 weeks	Fast (2-5 days)
Max Loan Amount	Limited	RM10 million

Real Savings - The Numbers Don't Lie

Example: RM500,000 Excavator

Bank Financing:

• Down payment (15%): RM75,000
• Financed: RM425,000
• Age limit: 5 years max
• Approval time: 3 weeks

Ing Heng Financing:

• Down payment (0%): RM0
• Financed: RM500,000
• Age limit: None
• Approval time: 3 days
• Savings: RM75,000 cash

Types of Machinery We Finance

As a specialist machinery finance company, we understand all equipment types. No machine is too specialized.

Construction Machinery:

• Excavators (all sizes)
• Backhoes & Loaders
• Mobile Cranes (20-200 tons)
• Concrete Pumps & Mixers
• Compactors & Rollers
• Pavers & Asphalt Equipment

Manufacturing Equipment:

• CNC Machines
• Injection Molding Machines
• Packaging Lines
• Conveyor Systems
• Press Machines
• Industrial Robots

Logistics & Transport:

• Prime Movers
• Trailers & Tankers
• Forklifts (all types)
• Warehouse Equipment
• Cold Chain Vehicles

Agriculture Machinery:

• Tractors
• Harvesters
• Planters & Seeders
• Irrigation Systems
• Processing Equipment

Industries We Serve

Our machinery finance company expertise spans multiple industries. We understand each sector's unique needs.

Construction: Building contractors, civil works, infrastructure projects. We know construction cycles. We know equipment needs change per project.

Manufacturing: Factories, production plants, assembly lines. We understand ROI on production equipment. We get that speed matters.

Logistics: Transport companies, warehousing, distribution. We know fleet management. We understand used trucks still have value.

Agriculture: Farms, plantations, agribusiness. We know seasons affect cash flow. We understand equipment durability matters.

Our Key Benefits

1. 0% Down Payment

Keep your cash. Banks demand 10-20% down. We don't. That RM50,000-RM200,000 stays in your business for operations, materials, wages.

2. 100% Financing

Full equipment cost financed. Plus installation, training, and initial maintenance if needed. Complete funding solution.

3. NO Age Limit

Banks say "too old" at 5 years. We say "show me it works." 8-year-old excavator? 12-year-old CNC? 15-year-old crane? If it works, we finance it.

4. Fast Approval

Business waits for no one. Approvals in 2-5 days. Not 2-4 weeks. Get your equipment when you need it.

5. Loans Up to RM10 Million

Small starter machines? Large production lines? We finance RM50,000 to RM10,000,000. Scale with us.

6. 4000+ Satisfied Customers

Four decades, thousands of businesses. Our customers stay with us. They recommend us. That's our best proof.

Success Stories - Real Results

Construction Company - Multiple Excavators

"Construction contractor needed 3 excavators for housing project. Total cost RM1.2 million. Bank approved only 2 machines with 15% down payment (RM180,000). Too much cash tied up. Came to Ing Heng. Approved all 3 excavators in 4 days. 0% down payment. 100% full loan. Monthly payment RM35,000. Project completed in 8 months. Revenue RM2.8 million. Added 2 more excavators next year. Business doubled."

— Ahmad Razak, Construction Owner

Manufacturing - CNC Machine Upgrade

"Manufacturing factory upgrading to CNC. New machine RM850,000. Used machine RM450,000 (5 years old). Bank rejected used machine. Wanted RM127,500 down payment for new machine. Cash flow tight. Ing Heng approved used machine instantly. 0% down payment. Monthly payment RM12,000. Production increased 40%. Paid off in 3 years. Now own asset worth RM380,000. Purchased second CNC machine."

— Lim Siew Mei, Factory Manager

Logistics - Prime Mover Fleet

"Transport company needed 4 prime movers for new logistics contract. New trucks RM2.4 million total. Found quality used trucks RM1.1 million (7-9 years old). Bank wouldn't finance (too old). Ing Heng approved fleet in 5 days. 0% down payment. 100% financing. Monthly income from contract RM85,000. Loan payments RM28,000. Net profit RM57,000/month. Contract renewed twice. Fleet grew to 12 trucks."

— Kumar Subramaniam, Logistics Owner

Agriculture - Harvesting Equipment

"Oil palm plantation needed harvester. New machine RM350,000. Used harvester RM180,000 (10 years old, well maintained). Bank said too old. Ing Heng inspected harvester, approved same day. 0% down payment. Monthly payment RM4,500. Harvesting capacity doubled. ROI achieved in 14 months. Added second harvester next season."

— Datuk Roslan, Plantation Owner

Why Specialist Matters

Bank loan officers don't know an excavator from a backhoe. They follow checklists. They reject based on age rules. They don't see value in used equipment.

Ing Heng Credit understands machinery. We've financed 4,000+ machines. We know brands. We know models. We know market values. We know what works.

What We Look For:

• Equipment condition, not just age
• Your business potential
• Industry experience
• Project contracts or orders
• Payment ability

Perfect For

• Startups: New businesses need equipment to grow
• SMEs: Expanding operations with limited cash
• Contractors: Project-based equipment needs
• Growing Businesses: Scaling production capacity
• Used Equipment Buyers: Smart buyers who know value
• Seasonal Industries: Agriculture, tourism, events

Apply Now - Get Your Equipment Today

Don't let bank rules stop your business growth. Don't pay 15-20% down payment. Don't wait weeks for approval.

Choose Malaysia's trusted machinery finance company:

• 0% down payment
• 100% full financing
• NO age limit on equipment
• Fast approval (2-5 days)
• Loans up to RM10 million
• 40 years experience
• 4,000+ satisfied customers

Join 4,000+ businesses who have trusted Ing Heng Credit since 1985. Your partner in growth.