Prime Mover Fleet 2026: 5+ Units Financing with 0% Down Payment
Finance 5+ prime mover fleet with 0% down payment. Fleet expansion financing for growing transport businesses. Fast approval for multiple trucks.
Fleet Expansion: 5+ Prime Movers
Growing from single operator to fleet owner requires significant capital. 5 prime movers at RM180,000 each (used) = RM900,000 investment. Banks require RM90,000-RM180,000 down payment. Ing Heng Credit finances entire fleet with 0% down.
Fleet Financing Options
| Option | Down Payment | Monthly (5 trucks) | Cash Preserved |
|---|---|---|---|
| 5 Used Trucks (RM180k each) | RM0 | ~RM11,000-RM13,000 | RM90,000-RM180,000 |
| 5 New Trucks (RM380k each) | RM0 | ~RM35,000-RM38,000 | RM190,000-RM380,000 |
| 10 Used Trucks (RM150k each) | RM0 | ~RM18,000-RM22,000 | RM150,000-RM300,000 |
Fleet Revenue Potential
5 Prime Mover Fleet
Normal Month:
β’ Revenue per truck: RM80,000
β’ Fleet revenue: RM400,000
β’ Operating costs: RM120,000
β’ Financing: RM12,000
Net Profit: RM268,000 per month
CNY Month:
β’ Revenue per truck: RM130,000
β’ Fleet revenue: RM650,000
β’ Operating costs: RM150,000
β’ Financing: RM12,000
Net Profit: RM488,000 per month
10 Prime Mover Fleet
Normal Month: RM536,000 net profit
CNY Month: RM976,000 net profit
ROI: 5-Truck Fleet (Used)
Investment: RM900,000 (0% down)
First Year:
β’ Normal months (11): RM2,948,000
β’ CNY month: RM488,000
Total: RM3,436,000
Payback: 3 months
First Year Profit: RM2,536,000
Fleet Expansion Strategy
Phase 1: Start with 3 Used Trucks
β’ Investment: RM450,000
β’ Monthly profit: RM160,000
β’ Payback: 3 months
β’ Reinvest profits
Phase 2: Add 2 More Trucks
β’ Investment: RM360,000 (from profits)
β’ Fleet: 5 trucks
β’ Monthly profit: RM268,000
Phase 3: Expand to 10 Trucks
β’ Investment: RM750,000 (from profits)
β’ Fleet: 10 trucks
β’ Monthly profit: RM536,000
Benefits of Fleet Ownership
- Economies of Scale: Lower per-truck maintenance costs
- Route Coverage: Serve multiple routes simultaneously
- Backup Capacity: Absorb breakdowns without revenue loss
- Negotiating Power: Better rates with fuel suppliers and clients
- Business Value: Fleet increases company valuation
Financing with 0% Down
Ing Heng Credit offers:
β’ 0% down payment on entire fleet
β’ 100% financing
β’ Used trucks (any age)
β’ Fast approval
β’ Flexible terms
Success Story
"Started with 3 used prime movers in 2023. 0% down payment, approved in 48 hours. Monthly profit RM150,000. After 6 months, added 2 more trucks with profits. After 1 year, expanded to 7 trucks. Now running 10-truck fleet with RM500,000+ monthly profit. 0% down let me start without draining working capital. Fleet paid off in 8 months total."
β Rajendra Kumar, Fleet Owner
Finance Your Fleet with 0% Down
5+ trucks financing. Approved in 24-48 hours.
Contact: +60175700889 (WhatsApp) | 03-3324 8899 (Phone)