Quick Summary: This real success story shows how one operator grew from 1 to 10 prime movers in 3 years using 0% down payment financing. Starting with RM0 down payment, the business now generates RM500,000+ monthly profit.
The Beginning: Starting with One Truck
2023: The First Truck
"Worked as prime mover driver for 10 years. Saved RM30,000. Wanted to start own business. Banks offered RM50,000 loan but required RM30,000 down payment for RM180,000 truck. That would use all my savings. Nothing left for operations."
"Found Ing Heng Credit. They approved 0% down payment. Kept my RM30,000 savings. Used it for first month fuel, insurance, and driver salary. Truck started earning immediately."
- Ahmad Zaki, Transport Owner
Phase 1: First Year Growth (1 to 3 Trucks)
| Month | Trucks | Monthly Profit | Action |
|---|---|---|---|
| Month 1-3 | 1 truck | RM45,000 | Build cash reserve |
| Month 4-6 | 2 trucks | RM90,000 | Added second truck |
| Month 7-12 | 3 trucks | RM135,000 | Added third truck |
Phase 2: Rapid Expansion (3 to 7 Trucks)
2024: Adding 4 More Trucks
"First year profit: RM1.2 million. Reinvested everything. Bought 4 used prime movers. Each truck RM120,000. All with 0% down payment. No banks involved. Ing Heng approved all 4 trucks quickly because we had payment history."
"7-truck fleet generated RM250,000+ monthly profit. Hired operations manager. Got contracts with 3 factories. Business running itself."
Phase 3: Fleet Completion (7 to 10 Trucks)
| Year | Fleet Size | Monthly Revenue | Monthly Profit |
|---|---|---|---|
| 2023 (Year 1) | 3 trucks | RM240,000 | RM135,000 |
| 2024 (Year 2) | 7 trucks | RM560,000 | RM315,000 |
| 2025 (Year 3) | 10 trucks | RM800,000 | RM520,000 |
Key Success Factors
0% Down Payment
Preserved RM30,000 savings for operations. Used profits to expand, not down payments.
Fast Approval
24-48 hour approval meant quick truck acquisition. Never missed business opportunities.
Used Trucks Welcome
Financed trucks up to 10 years old. Lower cost meant faster ROI and more trucks.
Reinvest Profits
Every ringgit of profit went to fleet expansion. Rapid growth achieved in 3 years.
Financial Results: 3-Year Summary
Total Investment and Returns
- Total Truck Investment: RM1,500,000 (all financed with 0% down)
- Total Down Payment Saved: RM150,000 - RM300,000
- Year 1 Profit: RM1.2 million
- Year 2 Profit: RM3.5 million
- Year 3 Profit: RM5.8 million
- 3-Year Total Profit: RM10.5 million
- Current Fleet Value: RM2.5 million
- Net Worth Created: RM13 million in 3 years
Lessons Learned
- Start Small: One truck is enough to begin. Prove the model, then scale.
- Preserve Cash: 0% down payment keeps cash for operations and growth.
- Reinvest Everything: Profits buy more trucks. Compound growth is powerful.
- Build Relationships: Good payment history opens doors for more financing.
- Focus on Profit: Revenue matters, but profit builds fleets.
Current Status: 2026
10-Truck Fleet Operation
"Running 10 prime movers. 5 drivers, operations manager, mechanic on retainer. Contracts with 6 factories. Monthly revenue RM800,000. Monthly profit RM520,000. Trucks paid off in 2-3 years each. Now generating pure profit. Looking to add 5 more trucks in 2026. 0% down payment made all this possible. Without it, I'd still be driving someone else's truck."
- Ahmad Zaki, Fleet Owner (10 Prime Movers)
Your Success Story Starts Here
Every successful fleet started with one truck. 0% down payment financing preserves your capital for growth. Contact us to start your transport business journey.