Quick Summary: Chinese New Year 2026 brings massive delivery demands. Start preparing your prime mover fleet now with 0% down payment financing. Banks require 10-20% down payment - we offer 0% so you keep cash for operations during the busy period.
The CNY Rush: Why Preparation Matters
Chinese New Year 2026 falls on February 17, 2026. This means the logistics rush starts in early January 2026. Businesses need goods delivered before factories close for the CNY holiday.
The logistics industry faces massive pressure during this period. Online shopping increases, factories rush to ship goods, and retail stores stock up for the holiday sales.
CNY Logistics Timeline
Critical Dates to Remember
- January 2026: CNY shipping rush begins
- February 10, 2026: Factory closures start
- February 17, 2026: Chinese New Year Day 1
- February 18-24, 2026: CNY Holiday Week
- March 1, 2026: Full operations resume
Why Transport Businesses Fail During CNY
Every year, many transport businesses miss out on CNY profits because they are not prepared. Here are the common problems:
- No available prime movers: All trucks booked months ahead
- Breakdowns: Old trucks fail during heavy use
- Driver shortage: Drivers take holiday leave early
- Cash flow problems: Cannot afford to add more trucks
- Bank rejection: Banks say "too risky" for seasonal business
Bank vs. Ing Heng Credit: CNY Preparation
| Factor | Banks | Ing Heng Credit |
|---|---|---|
| Down Payment | 10-20% required | 0% - Full Loan |
| Max Financing | Up to 90% only | 100% Full Loan |
| Used Truck Age | Max 5 years | No age limit |
| Approval Time | 3-4 weeks | 24-48 hours |
| Interest Rate | 4.6% - 6.0% p.a. | 2.88% - 4.5% p.a. |
| Early Preparation | Difficult - slow process | Easy - fast approval |
0% Down Payment: The CNY Preparation Advantage
Banks want you to pay 10-20% down payment. For a RM200,000 prime mover, that means RM20,000 to RM40,000 upfront.
During CNY preparation, you need that cash for:
- Driver bonuses (to keep them working during CNY)
- Fuel costs (diesel prices increase during peak season)
- Toll payments (higher traffic means more tolls)
- Maintenance (fix trucks before heavy use)
- Marketing (get more delivery contracts)
0% Down Payment Saves CNY Preparation
With Ing Heng Credit, you keep your RM20,000 to RM40,000. Use it for:
- Driver recruitment: Hire temporary drivers for CNY rush
- Fuel reserves: Pre-purchase diesel before price hikes
- Marketing campaigns: Promote your CNY delivery services
- Cash buffer: Handle delayed client payments during holidays
100% Full Loan: Finance Entire Prime Mover Cost
Banks finance only 90% of the truck cost. You must pay the remaining 10% from your pocket.
Ing Heng Credit offers 100% full loan. We cover:
- Full prime mover price
- Road tax cost
- Insurance cost
- Accessories (GPS, tracking system)
100% Financing Example
Prime Mover Price: RM200,000
Bank Loan: RM180,000 (90%) - You pay RM20,000 down payment
Ing Heng Credit: RM200,000 (100%) - You pay RM0 down payment
Savings: RM20,000 stays in your business for CNY operations!
No Age Limit: Used Prime Movers Welcome
Banks reject prime movers older than 5 years. This limits your options and increases costs.
Ing Heng Credit has no age limit. We finance prime movers of any age, including:
- 10-year-old prime movers
- 15-year-old prime movers
- Even 20-year-old prime movers (if condition good)
Used Prime Mover Price Advantage
Older prime movers cost much less:
- New Prime Mover: RM250,000 - RM350,000
- 5-Year-Old: RM150,000 - RM200,000
- 10-Year-Old: RM80,000 - RM120,000
- 15-Year-Old: RM50,000 - RM80,000
With 0% down payment, you can buy a used prime mover for CNY rush without any upfront cost!
CNY 2026: The Golden Month for Transport
January and February 2026 are the most profitable months for transport businesses. Here is why:
- Factory rush: Manufacturers ship goods before CNY closure
- Retail stocking: Shops order inventory for CNY sales
- Gift delivery: Corporate gift deliveries increase
- Food transport: Restaurants and catering need fresh ingredients
- Event logistics: CNY events and celebrations need transport
CNY Delivery Rates Spike
Transport rates increase during CNY season:
- Normal Rate: RM3,000 - RM5,000 per trip
- CNY Rate: RM5,000 - RM8,000 per trip
- Emergency Rate: RM8,000 - RM12,000 per trip
One extra prime mover can earn RM30,000 - RM60,000 during CNY month alone!
CNY Fleet Preparation Checklist
Use this checklist to prepare your prime mover fleet for CNY 2026:
December 2025 Tasks
- Assess fleet capacity needs
- Secure prime mover financing (apply now!)
- Recruit backup drivers
- Service all existing trucks
- Book diesel in advance (lock prices)
January 2026 Tasks
- Take delivery of new/used prime movers
- Register new trucks with JPJ
- Install GPS and tracking systems
- Train new drivers on routes
- Secure CNY delivery contracts
Real CNY Success Stories
Klang Valley Transport - CNY 2025 Success
"Needed extra prime movers for CNY 2025 rush. Bank wanted 20% down payment - RM40,000 per truck. We needed 3 trucks but only had RM50,000 cash. Ing Heng Credit approved 0% down payment for all 3 trucks. We kept our RM50,000 for fuel and driver costs. Made RM180,000 profit during CNY month alone. The trucks paid for themselves in 3 months!"
- Ahmad Rahman, Fleet Manager
Penang Port Logistics - Emergency Fleet
"Client needed 5 prime movers for urgent CNY shipment. Banks rejected our application - said 'too rushed, risky.' Applied to Ing Heng Credit Thursday, approved Friday, purchased 5 used prime movers Saturday. Started delivery Monday. Completed contract on time, client extended contract for 2 more years. 0% down payment saved RM200,000 upfront. Best business decision ever."
- Sarah Wong, Operations Director
Apply Now: Don't Wait for CNY Rush
The best time to apply for CNY preparation is now. Every week of delay means:
- Fewer available prime movers (others buying too)
- Higher prices (demand increases costs)
- Less time for truck preparation and registration
- Missed early CNY contracts (clients book early)
Timing Reality Check
Apply in January 2026: You get trucks before CNY rush
Apply in February 2026: Too late - CNY already started
Apply NOW: Best selection, best prices, ready for CNY
Why Choose Ing Heng Credit for CNY Preparation?
0% Down Payment
Keep RM20,000-RM40,000 per truck for CNY operations like fuel and driver costs.
100% Full Loan
Finance entire prime mover cost including road tax and insurance.
No Age Limit
Buy used prime movers up to 10+ years old at lower prices for CNY profit.
Fast 48-Hour Approval
Get approved quickly so you can secure trucks before others.
Lower Interest
2.88%-4.5% vs banks 4.6%-6.0% means lower monthly payments.
Fleet Financing
Finance multiple prime movers at once for big CNY operations.
Get Started Today
Ready to prepare your prime mover fleet for CNY 2026? Contact us with:
- Number of prime movers needed
- Budget range (new or used)
- Intended use (port haulage, long-distance, etc.)
- Business documents (SSM, bank statements)
Act now: CNY 2026 is approaching fast. Secure your prime movers before the rush.