SME Equipment Package 2026 - Complete Guide

2026 SME Equipment Package

SMEs need equipment. Excavators, lorries, forklifts, generators. Banks require deposits. SMEs need cash for operations. Alternative financing makes sense.

This guide covers SME equipment packages. What's included. Financing options. Real SME budgets for 2026.

Complete SME Equipment Packages

Construction SME Package

• 1 × Excavator (Komatsu PC200): RM340,000
• 1 × 5-ton Lorry: RM135,000
• 1 × 3-ton Forklift: RM60,000
• Total: RM535,000

Transport SME Package

• 3 × 5-ton Lorries: RM405,000
• 1 × Prime Mover: RM270,000
• Total: RM675,000

Warehouse SME Package

• 2 × 3-ton Forklifts: RM120,000
• 1 × 500 kVA Generator: RM95,000
• Total: RM215,000

Bank Financing for SME Equipment

Typical Bank Requirements

• Interest rate: 4.6% - 6.0%
• Maximum loan: 90%
• Down payment: 10% - 20%
• Equipment age limit: 5 years
• Processing: 3 - 4 weeks

Real Example: Construction SME Package

Package cost: RM535,000

Bank Offer:
• Down payment: RM53,500 - RM107,000
• Loan amount: RM428,000 - RM481,500
• Monthly payment: RM7,500 - RM8,500
• Interest over 7 years: RM190,000 - RM240,000

Problem: SME needs RM53,500 - RM107,000 cash. Used equipment rejected.

Ing Heng Credit SME Package

Our SME Equipment Terms

• Interest rate: Competitive rates
• Maximum loan: 100%
• Down payment: 0%
• Equipment age: No limit
• Processing: 24 - 48 hours

Same Construction SME Package with Us

Package cost: RM535,000

Ing Heng Offer:
• Down payment: RM0 (0%)
• Loan amount: RM535,000
• Monthly payment: RM7,800
• Cash preserved: RM53,500 - RM107,000

SME Budget by Industry

Startup Construction SME

Starting construction business. Need first equipment package.

Package: Used excavator + used lorry (RM250,000)

Bank: Rejected (used equipment)
Ing Heng: Approved 100% financing, 0% down

Growing Transport SME

Adding 3 lorries to expand fleet.

Package: 3 × 5-ton lorries (RM405,000)

Bank: RM40,500 - RM81,000 down payment
Ing Heng: 0% down, full RM81,000 preserved for diesel and drivers

Warehouse Expansion SME

Expanding warehouse operations.

Package: 2 forklifts + generator (RM215,000)

Bank: RM21,500 - RM43,000 down payment
Ing Heng: 0% down, RM21,500 - RM43,000 preserved for inventory

Why 0% Down Matters for SMEs

SMEs run on cash flow. Inventory, wages, rent, utilities, marketing. Every RM counts.

RM50,000 down payment = 2 months rent. Or 1 month wages. Or 3 months utilities. Or stock for 2 months.

0% down keeps SME operating. Equipment deployed immediately. Cash preserved for growth.

Used Equipment for SME Budgets

Used equipment costs 40-60% less. Same functionality. Faster ROI. Banks reject over 5 years.

We finance used equipment based on condition. Any age. Any brand. SME budgets stretch further.

Fast Approval for SME Opportunities

Contract awarded. Need equipment next week. Bank takes 3-4 weeks. Opportunity lost.

We approve in 24-48 hours. Equipment deployed. Contract fulfilled. Revenue starts.

2026 SME Equipment Tips

• Bundle equipment for better terms
• Consider used equipment for savings
• 0% down payment preserves cash flow
• Finance for equipment productive life
• Claim capital allowances for tax benefits