Warehouse Equipment 0% Deposit 2026: Full Loan Guide

What is 0% Deposit Financing?

0% deposit means no down payment. You get 100% full loan. No cash needed upfront.

Most banks want 10-20% down payment. We don't. We finance the full amount.

Why 0% Deposit Helps Your Business

• Keep your cash for operations
• Buy equipment sooner
• No large upfront cost
• Start earning immediately
• Better cash flow

Bank vs Ing Heng Credit

Feature	Bank	Ing Heng Credit
Down Payment	10-20%	0%
Interest Rate	4.6-6.0%	Competitive rates
Financing Amount	90% max	100% full loan
Equipment Age Limit	Max 5 years	NO age limit
Approval Time	2-4 weeks	24-48 hours
Documents Needed	Many documents	Simple documents

Warehouse Equipment We Finance

Material Handling:

• Forklifts (electric, diesel, LPG)
• Reach trucks
• Pallet stackers
• Order pickers
• VNA trucks

Storage Systems:

• Pallet racking
• Shelving units
• Mezzanine floors
• Cantilever racking
• Drive-in racking

Loading Equipment:

• Dock levellers
• Dock seals
• Yard ramps
• Vehicle restraints

Automation:

• Conveyor systems
• Sorting systems
• Automated storage
• Warehouse software

Other Equipment:

• Hoist systems
• Scissor lifts
• Cleaning equipment
• Safety equipment

0% Deposit Examples

Example 1: Forklift Purchase

Equipment: RM100,000 forklift

Cost	Bank (10% down)	Ing Heng (0% down)
Price	RM100,000	RM100,000
Down Payment	RM10,000	RM0
Loan Amount	RM90,000	RM100,000
Cash You Need Now	RM10,000	RM0

Example 2: Complete Warehouse Package

Package: RM300,000 warehouse equipment

Cost	Bank (20% down)	Ing Heng (0% down)
Package Price	RM300,000	RM300,000
Down Payment	RM60,000	RM0
Loan Amount	RM240,000	RM300,000
Cash You Need Now	RM60,000	RM0

Benefits of 0% Deposit

• Keep cash: Save money for operations, inventory, staff
• Start fast: Get equipment immediately, don't wait
• Grow faster: Use cash for marketing and sales
• Less stress: No large upfront payment to worry about
• Better terms: We offer flexible payment options

Cash Flow Comparison

Scenario: RM100,000 equipment purchase

With bank financing (10% down):

• You need RM10,000 cash upfront
• This cash could be used for inventory, staff, marketing
• You lose earning power of that RM10,000

With Ing Heng Credit (0% down):

• You need RM0 cash upfront
• Keep RM10,000 for business operations
• Use equipment to earn money from day one
• Pay monthly from earnings

Who Qualifies?

We finance:

• New businesses (startups welcome)
• Small and medium enterprises
• Large corporations
• Sole proprietors
• Partnerships

Requirements:

• Business registration (SSM)
• 6 months bank statements
• Director ID card
• Equipment quotation

New vs Used Equipment

We finance both new and used warehouse equipment.

Feature	Bank	Ing Heng Credit
New Equipment	Yes	Yes
Used Equipment (1-5 years)	Sometimes	Yes
Used Equipment (5+ years)	Usually no	Yes!

Why Choose Ing Heng Credit?

Since 1985, we've helped 4,000+ businesses get equipment financing.

Our advantages:

• 0% down payment - No cash needed upfront
• 100% full loan - We finance everything
• NO age limit - Used equipment OK, any age
• Fast approval - 24-48 hours, not 2-4 weeks
• Easy application - Simple documents, fast process
• Flexible terms - Payments to match your cash flow
• New businesses OK - We help startups grow

How to Apply

Step 1: Get equipment quotation from supplier

Step 2: Send us quotation + basic documents

Step 3: Get approved in 24-48 hours

Step 4: We pay supplier directly

Step 5: You get equipment, pay monthly

FAQ - 0% Deposit Financing

Q: Really 0% down payment?
A: Yes! 0% down payment with us. Banks want 10-20%.

Q: How much interest?
A: Competitive rates. Banks charge 4.6-6.0%. We offer flexible terms based on your business.

Q: How fast is approval?
A: 24-48 hours. Banks take 2-4 weeks.

Q: Can I finance used equipment?
A: Yes! NO age limit - we finance used equipment of any age.

Q: What documents needed?
A: SSM, bank statements (6 months), director ID, quotation. Simple!

Q: Do you finance new businesses?
A: Yes! We welcome startups and new businesses.