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

Get 0% Deposit Financing Today

100% full loan. 0% down payment. NO age limit. Fast 24-hour approval.

Contact: +60175700889 (WhatsApp) | 03-3324 8899

Warehouse Equipment 0% Deposit 2026: Full Loan Guide