Wheel Loader Financing Malaysia: Get Your Equipment with 0% Deposit

When you walk through your quarry every morning and see that rented CAT 966 loading 80 trucks per day, and you know that RM 18,000 rental check you wrote last week could have been a payment toward owning it, does your chest tighten knowing you’re building someone else’s empire instead of your own?

When the rental company calls at 5 PM demanding their wheel loader back for “routine maintenance” right before your biggest loading day of the month, and you have 60 trucks scheduled for tomorrow morning, do you feel that panic grip your throat knowing those truckers will go to your competitor instead?

When you calculate that RM 18,000 monthly rental over 3 years equals RM 648,000—enough to own TWO quality used wheel loaders—does that frustration burn in your stomach like swallowing fire?

Stop feeding the rental companies. Start feeding your own business.

Your Loader. Your Schedule. Your Quarry Profits.

At Ing Heng Credit, we’ve watched too many quarry operators and contractors surrender massive profits to rental companies. That’s why we offer 0% deposit wheel loader financing with 100% financing options that put you in the driver’s seat from day one.

No more rental schedules controlling your loading operations. No more monthly payments vanishing into rental company accounts. No more missed contracts because equipment isn’t available when you need it.

Your wheel loader. Your timeline. Your revenue.

The Rental Trap That’s Bleeding Your Business

The Hidden Cost of Never Owning

Ahmad runs a sand quarry in Rawang. For 4 years, he’s been paying RM 16,500 monthly to rent a CAT 966D wheel loader.

Total rental payments: RM 792,000

For that same amount, he could have owned THREE quality wheel loaders.

But the rental company made it sound convenient: “No maintenance headaches, no breakdown risks, just pay and operate.”

What they didn’t reveal:

• He built zero equity despite paying RM 792,000
• Every ton of sand loaded generated rental company profits
• His quarry couldn’t expand because he owned no assets
• When peak season hit, equipment wasn’t always available

The Loading Schedule Problem

Rental companies control your most profitable hours.

• Peak morning loading (6 AM - 10 AM)? “Sorry, scheduled maintenance.”
• Weekend emergency orders? “Equipment not available after hours.”
• Extended project needs? “Next customer is waiting.”

When you don’t own the loader, you don’t control your quarry operations.

Siti lost a RM 45,000 weekend sand order because her rented wheel loader “needed inspection” and the backup was at another site.

Rental companies profit from YOUR inconvenience.

The Asset Limitation Trap

Here’s what rental companies will never tell you: You can’t build a serious quarry or construction business on rented equipment.

Banks look at your asset base when considering business loans. Own RM 1.2 million in equipment? You can get RM 3 million in working capital.

Own nothing but pay RM 18,000 monthly in rental? Banks see you as high-risk with zero collateral.

Equipment ownership = Business expansion power.

0% Deposit: Your Path to Loader Ownership

What 0% Deposit Really Means for Wheel Loaders

Zero upfront payment. Finance 100% of the equipment value.

• CAT 966 costs RM 450,000? Finance RM 450,000.
• Komatsu WA320 costs RM 380,000? Finance the full amount.
• Want to preserve cash for quarry expansion? Finance everything.

This is your competitive advantage over operators still trapped in rental cycles.

Why We Offer 0% Deposit When Others Won’t

Traditional banks require 20-30% deposit because:

• They don’t understand quarry cash flow patterns
• They fear equipment depreciation on older loaders
• They use rigid lending criteria designed for office businesses

We offer 0% deposit because:

• We understand seasonal quarry revenue cycles
• We know quality wheel loaders operate 15,000+ hours reliably
• We assess quarry potential, not just financial statements

40+ years financing wheel loaders taught us: The equipment pays for itself when the operator owns it.

Real Customer Example: Kumar’s Transformation

Kumar needed a used CAT 966D (11 years old) for his aggregate quarry operation.

Bank Response: “Rejected. Equipment too old. Need 35% deposit minimum.”

Our Response: “Approved. 0% deposit. 100% financing.”

Results after 30 months:

• Monthly payment: RM 9,200 (vs RM 16,500 rental)
• Savings: RM 7,300 monthly
• Additional revenue: RM 25,000/month (extended operating hours)
• Business growth: From 800 to 1,400 tons monthly production

Kumar built equity while competitors built rental company wealth.

We Finance Loaders Banks Reject

10+ Year Equipment: Our Specialty

Banks say: “Sorry, wheel loader must be under 7 years old.”

We say: “Show us a well-maintained 15-year-old CAT 966 and we’ll finance it.”

Why age doesn’t limit us:

• Quality wheel loaders run 15,000-20,000 hours (12-18 years)
• Proper maintenance matters more than manufacturing year
• Experienced operators know equipment condition better than bank committees
• Some of our most successful clients operate 15-20 year old loaders profitably

Equipment We’ve Recently Financed

CAT 966D - 13 years old

• Bank rejection: “Too old for financing”
• Our approval: 0% deposit, 84 months
• Customer outcome: Still loading 1,200 tons daily after 3 years

Komatsu WA320 - 16 years old

• Bank rejection: “Beyond financing parameters”
• Our approval: 15% deposit, 72 months
• Customer outcome: Quarry operator expanded to 3-loader fleet

Volvo L120E - 14 years old

• Bank rejection: “High depreciation risk”
• Our approval: 10% deposit, 60 months
• Customer outcome: Equipment paid itself off in 28 months

The pattern: Banks see age. We see opportunity and condition.

Fast Approval When Production Can’t Wait

Why Speed Matters in Quarry Operations

Quarry opportunities don’t wait for bank committees.

• Construction projects need immediate sand supply
• Government infrastructure has tight delivery deadlines
• Equipment breakdowns require immediate replacement
• Peak seasons demand maximum loading capacity

When you need wheel loader financing fast, banks move slowly:

• 3-4 weeks approval process
• Multiple committee reviews
• Endless documentation requests
• Conservative decision-making

Our Rapid Approval Process

Day 1: Submit Application

• WhatsApp: +60175700889
• Provide: IC copy + equipment quotation
• Response: Within 2 hours (business hours)

Day 1-2: Quarry Assessment

• No endless bureaucracy
• Focus on business substance and equipment need
• Real decisions by experienced people

Day 2-3: Approval Decision

• Clear approval with specific terms
• No committee delays
• Direct communication throughout

Day 3-5: Disbursement

• Equipment inspection (if required)
• Funds released directly to supplier
• You start loading and earning immediately

Real quarry operators need real solutions, not bank bureaucracy.

Customer Success: Emergency Replacement

Situation: Rahman’s 9-year-old wheel loader had major transmission failure during peak construction season. Repair would cost RM 95,000 and take 8 weeks.

He had contracts to supply 2,400 tons of aggregate over the next month.

Bank Timeline: 4-5 weeks for loan approval Our Timeline: 36 hours from application to approval

Outcome: Rahman got a replacement wheel loader in 3 days, fulfilled all contracts, and earned RM 78,000 profit instead of losing customers to competitors.

When your quarry can’t wait, we don’t make you wait.

Wheel Loader Types and Financing Options

Compact Wheel Loaders (1-3 cubic yards)

Perfect for:

• Small construction sites
• Urban landscaping projects
• Material handling in confined spaces
• Agricultural applications

Typical price range: RM 180,000 - RM 350,000 Popular brands: JCB, Case, Cat, Bobcat Financing terms: Up to 84 months

Medium Wheel Loaders (3-5 cubic yards)

Perfect for:

• Quarry operations
• Road construction
• Commercial excavation
• Waste management

Typical price range: RM 380,000 - RM 650,000 Popular brands: CAT 966, Komatsu WA320, Volvo L120 Financing terms: Up to 84 months

Large Wheel Loaders (5+ cubic yards)

Perfect for:

• Major quarry operations
• Mining applications
• Large-scale construction
• Port operations

Typical price range: RM 700,000 - RM 2,200,000 Popular brands: CAT 980, Komatsu WA470, Liebherr L556 Financing terms: Up to 120 months

New vs Used: Both Welcome

New Wheel Loaders

• Latest fuel efficiency technology
• Full manufacturer warranty
• Maximum financing terms available
• 0% deposit option available

Used Wheel Loaders (Up to 15+ Years)

• Proven reliability and lower cost
• Immediate availability
• Established maintenance history
• Often better value for quarry operations

We assess condition and business need, not manufacturing year.

Bad Credit? We Look at Business Potential.

Why Banks Reject, We Approve

Banks focus on credit scores and financial ratios. We focus on quarry operations and equipment utilization.

Recent Bad Credit Approvals

Quarry owner with CCRIS issues

• Previous loan defaults during economic downturn
• Current strong aggregate orders and cash flow
• Approved with 20% deposit

Company with high debt-service ratio

• Multiple existing equipment loans
• Proven ability to service debt through operations
• Approved with personal guarantee

New quarry operation (under 1 year)

• No business credit history
• Strong quarry reserves and customer contracts
• Approved based on production potential

What We Evaluate Instead of Perfect Credit

Quarry Substance

• Current aggregate demand and contracts
• Customer payment reliability
• Equipment utilization plans
• Production capacity potential

Cash Flow Evidence

• Bank statements showing regular deposits
• Customer payment patterns
• Seasonal operation understanding
• Revenue per ton calculations

Equipment Knowledge

• Operator experience level
• Maintenance capabilities
• Realistic production projections
• Long-term quarry plans

Business Commitment

• Skin in the game (deposit if required)
• Partnership approach to financing
• Long-term relationship focus

Flexible Terms for Quarry Cash Flow

Financing Terms Overview

Loan Tenure Options:

• 12-24 months: Lower total interest, higher monthly payments
• 36-60 months: Balanced payment and interest structure
• 72-84 months: Lower monthly payments, better cash flow
• 96-120 months: Maximum affordability for large loaders

Interest Rate Factors:

• Equipment age and condition
• Down payment amount
• Business profile and credit standing
• Loan tenure selected

Payment Structure Options:

• Fixed monthly payments (most common)
• Step-up payments (growing quarry business)
• Seasonal payment adjustments (for weather-dependent operations)

Real Payment Example

Example: CAT 966D Wheel Loader

• Equipment Price: RM 480,000
• Down Payment: RM 0 (0% deposit)
• Loan Amount: RM 480,000
• Interest Rate: 8.8% p.a.
• Tenure: 72 months
• Monthly Payment: RM 8,350

Compare to Rental:

• Monthly rental: RM 16,500
• Monthly savings: RM 8,150
• Annual savings: RM 97,800

After 72 months:

• Rental cost: RM 1,188,000 (you own nothing)
• Financing cost: RM 601,200 (you own RM 480,000 asset)
• Net benefit: RM 586,800

Early Settlement Benefits

Want to pay off early?

• No penalty for early settlement
• Interest rebate using Rule of 78
• Clear ownership transfer immediately
• Use equity for fleet expansion

Many quarry operators settle early during good seasons, then use the cleared equipment as collateral for additional loaders.

The Application Process Made Simple

Documents You’ll Need

For Individual Operators:

• Malaysian IC or passport (for foreigners)
• 3-6 months bank statements
• Income proof:
  • Quarry revenue records
  • Customer payment receipts
  • KWSP statements (if applicable)
• Equipment quotation

For Companies:

• Company registration (SSM)
• Company bank statements (6 months)
• Directors’ IC copies
• Financial statements (if available)
• Current customer contracts

Optional but Helpful:

• Quarry license documentation
• Customer testimonials
• Equipment maintenance records (for used loaders)

Three Ways to Apply

Option 1: WhatsApp (Recommended)

• Number: +60175700889
• Send: IC copy + equipment quotation
• Response: Within 2 hours
• Process: Complete guidance provided

Option 2: Phone Call

• Number: +603-3362 1588
• Speak: Directly with equipment financing specialist
• Get: Instant preliminary assessment

Option 3: Walk-In Consultation

• Address: 47A, Jalan Raya Timur, Klang
• Hours: Monday-Friday 9AM-6PM, Saturday 9AM-1PM
• Benefit: Face-to-face equipment discussion

What Happens After You Apply

Step 1: Initial Review (Same Day)

• Document completeness check
• Preliminary eligibility assessment
• Additional document requests (if needed)

Step 2: Business Evaluation (1-2 Days)

• Quarry operations and credit review
• Cash flow and production analysis
• Equipment valuation verification

Step 3: Approval Decision (2-3 Days)

• Formal approval with specific terms
• Interest rate and payment structure
• Conditions (if any) clearly explained

Step 4: Documentation (1 Day)

• Hire purchase agreement preparation
• Terms review and signing
• Insurance arrangement assistance

Step 5: Disbursement (1-2 Days)

• Equipment inspection (if required)
• Funds transfer to supplier
• Equipment delivery coordination

Total timeline: 5-7 business days from complete application to equipment operation.

Why Quarry Operators Choose Ing Heng Credit

40+ Years of Equipment Expertise

Since 1985, we’ve been financing construction and quarry equipment when banks wouldn’t. We understand:

• How quarry operations really work
• Why equipment age matters less than maintenance
• When seasonal fluctuations create cash flow challenges
• How equipment ownership builds long-term wealth

We’re not just lenders. We’re equipment financing specialists.

Real People, Real Decisions

No committee approval delays. No junior officers making senior decisions. No computer algorithms determining your quarry’s future.

Our senior management team has decades of experience in construction and quarry operations. We make decisions based on business reality, not just financial formulas.

Competitive Rates, Transparent Terms

Our rates:

• New wheel loaders: From 7.8% p.a.
• Used loaders (under 10 years): From 8.8% p.a.
• Used loaders (10+ years): From 9.8% p.a.

No hidden fees:

• No processing fees
• No documentation fees
• No early settlement penalties
• Clear, straightforward agreements

Long-Term Partnership Approach

We don’t just finance one loader. We help build equipment fleets.

Many clients start with one wheel loader, then expand to multiple units as their quarry grows. We support that growth with:

• Fleet financing packages
• Trade-in and upgrade options
• Relationship pricing for multiple units
• Quarry business growth consulting

Success Stories: Real Operators, Real Results

Case Study 1: From Rental to Fleet Owner

Background: Lim, a quarry operator from Semenyih, was renting wheel loaders for 5 years.

Challenge: Monthly rental costs of RM 32,000 for 2 loaders were eating profit margins.

Solution: Financed 2 used wheel loaders (9 and 12 years old) with 0% deposit.

Results:

• Monthly payment: RM 18,500 (vs RM 32,000 rental)
• Monthly savings: RM 13,500
• Production increase: 40% (extended operating hours)
• Fleet growth: Added 3rd loader within 24 months

Lim’s words: “I should have done this years ago. I gave rental companies enough money to buy 4 loaders.”

Case Study 2: Emergency Equipment Replacement

Background: Raj’s 8-year-old wheel loader had major hydraulic failure during peak construction season.

Challenge: Repair would cost RM 110,000 and take 10 weeks. Peak orders worth RM 180,000 pending.

Solution: Emergency financing for replacement loader in 48 hours.

Results:

• Orders fulfilled on time
• Revenue preserved: RM 180,000
• Old loader traded in after repair
• Customer relationships maintained

Raj’s words: “Ing Heng turned a disaster into an opportunity. My business didn’t skip a beat.”

Case Study 3: Quarry Expansion Success

Background: Fatimah’s successful quarry needed a second loader to meet growing demand.

Challenge: Existing bank wanted 40% deposit for second equipment loan.

Solution: Approved second wheel loader with 0% deposit based on quarry performance.

Results:

• Production doubled from 800 to 1,600 tons monthly
• Revenue increased 85%
• Quarry expansion plan executed successfully
• Third loader approved within 18 months

Fatimah’s words: “They understood my quarry vision and helped me achieve it.”

Equipment Maintenance and Ownership Benefits

Building Asset Value vs Paying Rent Forever

When you finance:

• Build equity with every payment
• Own a valuable asset (even depreciating)
• Can sell, trade, or use as collateral
• Benefits from equipment appreciation during shortages

When you rent:

• Zero equity building
• No ownership benefits
• No trade-in value
• Cannot leverage for business expansion

Maintenance: Protecting Your Investment

Proper wheel loader maintenance:

• Extends equipment life beyond 15,000 hours
• Maintains resale value
• Reduces operating costs per ton
• Prevents costly major breakdowns

Monthly maintenance budget planning:

• Compact loaders: RM 1,200-2,000
• Medium loaders: RM 2,000-3,500
• Large loaders: RM 3,500-6,000

We provide maintenance guidance and connect you with reliable service providers.

Insurance Requirements and Benefits

Comprehensive insurance protects:

• Equipment theft or total loss
• Fire and natural disasters
• Third-party liability coverage
• Operator accident coverage

We assist with:

• Insurance provider recommendations
• Policy comparison and selection
• Claims assistance when needed
• Premium financing options

Market Advantages of Wheel Loader Ownership

Competitive Quarry Positioning

Asset-backed operations:

• Banks provide larger working capital to equipment owners
• Suppliers offer better payment terms to established operators
• Customers prefer quarries with owned equipment
• Ability to guarantee supply commitments

Business Expansion Opportunities

Equipment ownership enables:

• Multiple quarry site development
• Contract crushing services
• Equipment rental income during downtime
• Partnership opportunities with other operators

Revenue Optimization

Direct production revenue:

• Keep 100% of equipment charges
• Price competitively without rental markups
• Extend operating hours without rental restrictions

Additional revenue streams:

• Rent loader to other operators during slow periods
• Offer loader + operator services
• Seasonal deployment strategies

Getting Started Today

Quick Assessment

Answer these questions:

1. Do you currently rent wheel loaders regularly?
2. Are you losing quarry profits to rental costs?
3. Would 0% deposit financing improve your cash flow?
4. Do you have identified equipment needs?
5. Are you ready to own rather than rent?

If you answered “yes” to 3+ questions, wheel loader financing makes sense for your operation.

Next Steps

Step 1: Equipment Identification

• Determine size and type needed for your quarry
• Research brands and suppliers
• Get equipment quotations
• Verify equipment condition (if used)

Step 2: Quick Application

• WhatsApp: +60175700889
• Provide: IC + equipment quotation
• Receive: Preliminary approval indication

Step 3: Formal Process

• Submit complete documentation
• Receive formal approval and terms
• Review and sign agreement
• Equipment delivery coordination

Contact Information

Ing Heng Credit & Leasing Sdn Bhd

WhatsApp: +60175700889 (Fastest response) Phone: +603-3362 1588 Email: info@inghengcredit.com

Address: 47A, Jalan Raya Timur Taman Rashna 41200 Klang, Selangor

Operating Hours: Monday-Friday: 9:00 AM - 6:00 PM Saturday: 9:00 AM - 1:00 PM Sunday: Closed

What to expect:

• Professional, experienced service
• Clear communication in English, Malay, or Mandarin
• No pressure sales approach
• Honest assessment of your financing options
• Competitive rates and transparent terms

Conclusion: Stop Renting, Start Building Your Quarry Empire

Every month you continue renting is another month of building the rental company’s wealth instead of your own quarry empire.

Every ton of aggregate you load with rented equipment is a missed opportunity to build asset value.

Every time equipment isn’t available when peak demand hits, you lose money and customers to competitors.

The solution is ownership: Own your wheel loader.

With 0% deposit financing and 100% financing options, there’s no financial barrier to ownership. With our fast approval process, there’s no time barrier either.

The only question is: Will you keep enriching rental companies, or start building your own quarry empire?

Contact Ing Heng Credit today and transform from renter to owner.

Your wheel loader. Your schedule. Your quarry profits. Your empire.

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About Ing Heng Credit & Leasing:

Established in 1985, Ing Heng Credit & Leasing is Malaysia’s trusted equipment financing specialist. We’ve helped over 4,000+ contractors, quarry operators, and manufacturers acquire the equipment they need to grow their businesses. Our expertise in construction and quarry equipment, combined with flexible financing solutions, makes equipment ownership accessible to businesses of all sizes.

Published: December 21, 2025 Last Updated: December 21, 2025 Read Time: 12 minutes