No Collateral Equipment 2026 - Available
No collateral equipment financing 2026. Equipment loans without property security available.
Ing Heng Credit Team β’ β’ 3 min read
# No Collateral Equipment 2026 - Available
Need equipment but no property collateral? Equipment-only financing available in 2026.
## No Collateral Challenge
**Banks Require:**
- Property title
- Building ownership
- Additional assets
- Guarantors with property
## 2026 No Collateral Solution
**Equipment as Security:**
- Equipment acts as collateral
- Hypothecation registered
- Insurance required
- JPJ registration (vehicles)
- **No property needed**
## Real No Collateral Approvals
**Case:** Contractor, rented premises
**Need:** Komatsu PC200
**Collateral:** Equipment only
**Financing:** RM 180,000, 0% down
**Approved:** 48 hours
## No Collateral vs With Collateral
| Factor | With Collateral | No Collateral |
|--------|----------------|---------------|
| **Property Risk** | High | Low (equipment only) |
| **Approval Time** | 2-3 weeks | 48-72 hours |
| **Interest Rate** | 4.5-5.5% | 5.0-6.0% |
| **Documentation** | Complex | Simple |
## Get No Collateral Equipment
No property but need equipment? Apply for equipment-only financing.
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**Income focus?** See [No EPF Equipment](/blog/no-epf-equipment-2026-income-based).