Part-Time Equipment Business 2026
Part-time equipment business financing 2026. Side business equipment loans for part-time operators.
Ing Heng Credit Team β’ β’ 3 min read
# Part-Time Equipment Business 2026
Part-time equipment business? Financing available for side-business operators in 2026.
## Part-Time Equipment Reality
**Common Situations:**
- Main job + part-time contracting
- Weekend equipment rental
- Seasonal equipment use
- Building business part-time
## 2026 Part-Time Solutions
**Approval Based On:**
- Combined income (job + business)
- Equipment rental income potential
- Business viability
- **40-50% approval rate**
## Real Part-Time Approvals
**Case:** Full-time driver + weekend excavator rental
**Income:** RM 5k (job) + RM 3k (rental)
**Equipment:** Komatsu PC200 (rental business)
**Financing:** RM 180,000, 20% down, 6 years
## Part-Time Interest
| Income Stability | Rate | Down Payment |
|----------------|------|--------------|
| **Stable dual income** | 5.5-6.5% | 10-20% |
| **Seasonal** | 6.5-7.5% | 20-30% |
| **Variable** | 7.5-8.5% | 30-50% |
## Get Part-Time Equipment
Part-time equipment business? Apply for combined income equipment financing.
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**Full-time business?** See [1-Year Business Equipment](/blog/1-year-business-equipment-2026).