Excavator Financing
Excavator Financing
Streamlined Processing | 10% Down Payment | Flexible 12-60 Month Terms | Finance RM30k - RM3M
Construction
Capacity
You have projects lined up and contracts ready. But traditional banks are failing your growth.
Market Obstacles
- Banks reject applications due to limited credit history
- High down payment requirements (30-50%) drain capital
- Seasonal cash flow issues during monsoon months
- Missing tender opportunities without ready equipment
Strategic Solutions
- Only 10% down payment required for qualified SME
- Approval decision based on contract potential
- Flexible payment structures for monsoon seasons
- Equipment deployment within 3-5 business days
Case Study
Growth
Accelerated
Contractor from Klang required RM 180,000 Komatsu for a highway widening tender.
3 banks rejected based on credit history.
Ing Heng approved in 18 hours with 10% deposit.
Result: Project completed, RM 250k profit, fleet expanded to 3 machines.
Revenue
Intelligence
With just 20 working days per month at RM 800/day rental rate, your excavator generates RM 16,000 monthly. After loan and operations, net RM 7,800/month profit.
Break-even
3-4 MONTHS
Annual Net
RM 93K+
Payment Calculator
Estimate your monthly payments
This is an estimate. Actual rates may vary based on credit assessment.
Apply NowStrategic Advantage.
Structural financing tailored for construction contractors who prioritize project cash flow.
Streamlined Processing
Get approved quickly. Fast processing means you can start earning on projects immediately without delays.
High Approval Rate
We approve applications that banks reject. Bad credit or CCRIS challenges accepted.
New & Used Accepted
Finance new or used excavators 10+ years old. All major brands: CAT, Komatsu, Hitachi, Kobelco, Hyundai.
Down Payment From 0%*
Minimal upfront investment. Loan up to 100%* for qualified applicants. Preserve your working capital for operations.
Simple Documentation
Streamlined Processing with minimal paperwork. IC, bank statements, and company docs. No complex financial statements needed.
No Hidden Fees
Transparent pricing with no surprise charges. Competitive rates from 8-18%. No early repayment penalty.
Strategic
Acquisition
From application to site deployment in as fast as 3-5 business days.
Contact via WhatsApp
Chat with our financing experts. Get instant answers to your questions. Available during business hours.
Submit Documents
Provide IC, 6 months bank statements, and company registration. Simple paperwork, no hassle.
Rapid Approval
Receive approval decision quickly. Urgent cases processed on priority for active project deadlines.
Deploy Equipment
Receive funds and take possession of your excavator. Start working and earning immediately.
Haulage
Categories
Comprehensive financing for all excavator tonnage classes and specialized applications.
Mini Excavators (1-5 tons)
Perfect for residential projects, landscaping, utility installation, and tight urban spaces. Fuel-efficient with low operating costs.
Applications: Foundation digging...
Midi Excavators (5-10 tons)
Ideal for medium construction sites, road works, drainage projects, and utility installations. Balanced power and mobility.
Applications: Road construction...
Large Excavators (10-30 tons)
Heavy-duty machines for major construction, mining, earthmoving, and large-scale infrastructure projects.
Applications: Mining...
Long Reach Excavators
Extended arm excavators for deep excavation, dredging, riverbank work, and slope stabilization up to 30 meters reach.
Applications: River dredging...
Wheel Excavators
Mobile excavators for road construction and urban projects. Fast relocation between sites without trailer transport.
Applications: Urban construction...
Amphibious Excavators
Specialized machines for swamps, wetlands, flood-prone areas, and water-based construction. Unique Malaysian requirements.
Applications: Swamp clearing...
Authorized Brand Matrix
Entry
Requirements
Simple documentation process designed for active contracting operations.
Individual / Enterprise
Identity Documentation
Malaysian IC or valid Passport + Work Permit for foreigners.
Capital Proof
6 months bank statements showing regular project/cash deposits.
Engagement Proof
Active project contracts or payment receipts from reliable clients.
Corporate (Sdn Bhd / PLT)
SSM Matrix
Company registration Form 9/24/49 or equivalent for PLT/Sdn Bhd.
Operating History
6 months corporate statements showing business transaction volume.
Directorate Approval
Directors IC and authorization for financing application.
Client
Narratives
Real narratives from contractors who achieved operational expansion via our capital solutions.
"Secured a 20-ton CAT for a infrastructure contract. Ing Heng approved us when our main bank hesitated. Their understanding of project timelines saved us from missing the mobilization deadline."
"Needed a used Komatsu excavator urgently for a government tender. Banks rejected my application due to limited credit history. Ing Heng Credit approved it quickly. My business grew 40% after acquiring this machine."
"The flexible payment terms made all the difference. During slow months, I could reduce payments, and during peak season, I paid more. This cash flow flexibility helped me expand my fleet to 3 excavators."
Technical
Briefing
Everything you need to know about financing your heavy equipment assets.
Yes! We finance used excavators 10+ years old from any reputable brand including Caterpillar, Komatsu, Hitachi, Kobelco, Hyundai, and Doosan. The excavator must be in good working condition and pass our inspection. Used excavator financing typically requires 10-20% down payment depending on equipment age and condition.
We accept excavators 10+ years old for financing. For excavators 5-7 years old, standard terms apply. For excavators 8-10 years old, we may require higher down payment (15-20%) or shorter loan terms (24-36 months). Equipment even older than 10 years is considered on a case-by-case basis.
Absolutely! We specialize in helping new contractors get started. Unlike banks that focus only on credit history, we evaluate your project potential, existing contracts, and business plan. We support growing businesses and many successful clients started with us as first-time equipment buyers.
We consider each application individually. Bad credit or past defaults don't mean automatic rejection. We look at your current financial situation, ongoing projects, customer contracts, and equipment value. Many successful clients had credit issues before working with us.
We accept all major brands: Caterpillar (CAT), Komatsu, Hitachi, Kobelco, Hyundai, Doosan, SANY, XCMG, Volvo, Sumitomo, JCB, and Liebherr. Both Japanese, American, Chinese, Korean, and European brands are acceptable.
Standard approval is fast from complete document submission. Urgent cases with immediate project deadlines are prioritized. We understand you need equipment quickly for government tenders or time-sensitive projects. Submit in the morning for same-day assessment.
For individuals: (1) IC or Passport, (2) 6 months bank statements, (3) Income/Project proof. For companies: (1) SSM documents, (2) Company bank statements (6 months), (3) Directors' IC, (4) Project contracts if available. The process is simple and straightforward.
Yes! We offer trade-in and upgrade programs. After 12-18 months of timely payments, you can trade in your current machine and upgrade to a larger or newer model. We refinance the balance and add funds for the new equipment.
No early repayment penalty! Pay off your loan anytime without extra charges. This flexibility helps contractors optimize their finances when they win large contracts or secure cheaper funding later.
EVOLVE YOUR
CAPACITY
Don't let project deadlines slip away. Secure your excavator today and join 4,000+ companies that scaled with professional credit.
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