Prime Mover Fleet 2026: 5+ Units Financing with 0% Down Payment

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:
• Revenue per truck: RM80,000
• Fleet revenue: RM400,000
• Operating costs: RM120,000
• Financing: RM12,000
Net Profit: RM268,000 per month

CNY Month:
• Revenue per truck: RM130,000
• Fleet revenue: RM650,000
• Operating costs: RM150,000
• 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:
• Normal months (11): RM2,948,000
• 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

• Investment: RM450,000
• Monthly profit: RM160,000
• Payback: 3 months
• Reinvest profits

Phase 2: Add 2 More Trucks

• Investment: RM360,000 (from profits)
• Fleet: 5 trucks
• Monthly profit: RM268,000

Phase 3: Expand to 10 Trucks

• Investment: RM750,000 (from profits)
• Fleet: 10 trucks
• 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:
• 0% down payment on entire fleet
• 100% financing
• Used trucks (any age)
• Fast approval
• Flexible terms

Success Story

"Started with 3 used prime movers in 2023. 0% down payment, approved in fasts. 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."

— Rajendra Kumar, Fleet Owner