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Stop Renting. Start Owning Your Forklift.

Own Your Equipment for Less Than Rental Cost | 24-Hour Approval | 90% LTV | Calculate Your ROI Below

40 Years Experience
KPKT Licensed
4,000+ Companies Financed
90% LTV Available

The Math Is Simple: Ownership Beats Rental

You're already spending RM 3,000-4,000/month to rent a forklift. What if you could own it for LESS and stop paying rent forever?

Long-Term Rental
What You're Doing Now
Monthly Rental Payment RM 3,500
Annual Cost RM 42,000
3-Year Total Cost RM 126,000
Equity Built RM 0
What You Own NOTHING

After 3 years, you've paid RM 126,000 and have zero assets to show for it. You're still renting.

Equipment Financing
Smart Ownership Strategy
Monthly Payment (48 months) RM 2,650
Annual Cost RM 31,800
3-Year Total Paid RM 95,400
Equipment Value RM 100,000
What You Own THE FORKLIFT

YOU SAVE RM 30,600 IN 3 YEARS

Plus you OWN a RM 100,000 asset. No more monthly rent. Ever.

Break-Even Point: Month 20

After just 20 months, you've paid less than renting AND you own the equipment. Every month after that is pure savings.

Why Smart Warehouse Managers Choose Equipment Financing

Built for warehouse operations. Designed for your cash flow. Proven ROI.

Own vs Rent: Break Even in 18 Months

Stop paying rent forever. Build equity in your equipment. ROI calculator shows you the exact savings.

Finance 90% of Equipment Value

Only 10% down payment required. Preserve your working capital for operations and growth.

Flexible 12-60 Month Terms

Choose payment terms that match your cash flow and operational needs. Early repayment without penalty.

New & Used Equipment Accepted

Finance electric, diesel, or gas forklifts up to 8 years old. All major brands accepted.

Electric Forklift Financing

40-88% more efficient than diesel. Lower total cost of ownership. Government green incentives available.

Fleet Financing Available

Finance multiple forklifts at once. Volume discounts for 2+ units. Scale your warehouse operations.

24-Hour Credit Decision

Fast approval process designed for busy warehouse managers. Minimal paperwork, maximum efficiency.

Tax Benefits & Depreciation

Equipment financing offers tax advantages. Consult with your accountant about depreciation benefits.

Calculate Your Forklift Ownership ROI

See exactly how much you'll save by owning instead of renting

Payment Calculator

Estimate your monthly payments

RM
10% 50%
12 24 36 48 60
This is an estimate. Actual rates may vary based on credit assessment.
Estimated Monthly Payment RM 2,854
Total Amount Payable RM 102,744
Apply Now

5 Steps from Application to Equipment Ownership

Designed for busy warehouse managers. Fast, simple, transparent.

1

Calculate Your ROI

Use our calculator to compare rental costs vs ownership. See your break-even point instantly.

2

Submit Application

Simple online or WhatsApp application. Basic documents: IC, bank statements, company registration.

3

Get Approval in 24 Hours

Fast credit decision within one business day. Clear terms, no hidden fees.

4

Review Financing Terms

We present multiple financing options. Choose the payment structure that fits your budget.

5

Take Delivery & Start Saving

Funds disbursed to supplier. Take possession of your forklift. Start building equity immediately.

All Types of Material Handling Equipment Financed

From compact pallet jacks to heavy-duty reach trucks and everything in between

Counterbalance Forklifts (1.5-5 tons)

Most common warehouse forklifts. Electric or diesel. Indoor/outdoor use. Ideal for general material handling and pallet movement.

Reach Trucks (1.4-2.5 tons)

Narrow aisle operation. Maximize warehouse space utilization. High-lift capabilities up to 12 meters. Perfect for high-density storage.

Pallet Jacks (Electric/Manual)

Low-cost entry solution. Electric pallet jacks for efficiency. Ideal for light-duty warehouse operations and order picking.

Order Pickers

Operator elevation platforms. E-commerce warehouse essential. Improve picking efficiency by 200%. Multiple level access.

Electric Forklifts (Lithium-Ion)

Zero emissions, 72% market share. 40% more efficient than lead-acid. 88% more efficient than diesel. Fast charging, long lifespan.

Rough Terrain Forklifts

Outdoor construction sites. All-terrain capability. Heavy-duty applications. Available for specialized warehouse yards.

We Finance All Major Brands

Toyota Linde Nissan Mitsubishi Crown Hyster Yale BT Jungheinrich Hangcha Heli EP Equipment

Japanese, European, American, and Chinese brands all accepted. Contact us for specific models.

Electric Forklift Financing: Total Cost of Ownership

Electric forklifts cost more upfront but deliver massive long-term savings

Cost Factor (5 Year Total) Electric (Lithium-Ion) Electric (Lead-Acid) Diesel
Purchase Price RM 120,000 RM 90,000 RM 85,000
Energy Cost (5 years) RM 18,000 RM 30,000 RM 160,000
Maintenance Cost (5 years) RM 8,000 RM 15,000 RM 35,000
Battery Replacement RM 0 RM 25,000 N/A
Downtime Cost RM 5,000 RM 12,000 RM 20,000
TOTAL 5-YEAR COST RM 151,000 RM 172,000 RM 300,000
SAVINGS VS DIESEL RM 149,000 RM 128,000 β€”
Electric Lithium-Ion
  • βœ“ 88% more efficient than diesel
  • βœ“ No battery replacement for 10 years
  • βœ“ Fast charging (1-2 hours)
  • βœ“ Zero emissions (indoor safe)
  • βœ“ Lowest total cost of ownership
Electric Lead-Acid
  • βœ“ Lower upfront cost
  • βœ“ Proven technology
  • βœ“ Zero emissions
  • βœ— Battery replacement every 3-5 years
  • βœ— 8-hour charging time
Diesel
  • βœ“ Outdoor/heavy-duty use
  • βœ“ Quick refueling
  • βœ— Highest fuel costs
  • βœ— Emissions (not indoor safe)
  • βœ— Highest total cost of ownership

Warehouse Managers Who Made the Switch

Real ROI results from real warehouse operations in Malaysia

"We were renting 3 forklifts for RM 9,000/month. After financing with Ing Heng Credit, our monthly payment is RM 7,200 and we OWN the equipment. Break-even in 20 months. Best business decision we made."
W
William Tan
WT Logistics Sdn Bhd
Shah Alam, Selangor
"Our cold storage facility needed reliable forklifts that can handle -20Β°C temperatures. Ing Heng Credit financed 2 specialized electric forklifts with 90% LTV. The tax depreciation benefits reduced our effective interest rate to under 5%."
J
Jessica Lee
Cold Chain Solutions
Subang Jaya, Selangor
"E-commerce boom meant we needed to scale fast. Financed 5 reach trucks and 3 order pickers through Ing Heng Credit. Fleet financing discount saved us 1.5% on interest. Our warehouse productivity increased 180%."
K
Kumar Subramaniam
KS Warehouse Management
Klang, Selangor

Simple Application Requirements

Faster than bank business loans. Focus on equipment value and cash flow, not complex financials.

For Individuals

  • IC / Passport Copy
    Malaysian IC or valid passport for foreigners with work permit
  • 6 Months Bank Statements
    Personal or business account showing regular cash flow
  • Income Proof
    Salary slips, EPF statements, or business income documentation

For Companies (Most Common)

  • SSM Registration
    Company registration certificate (Sdn Bhd, Enterprise, LLP)
  • Company Bank Statements
    6 months company account - we focus on operational cash flow
  • Directors' IC Copies
    All directors and major shareholders
  • Equipment Quotation
    Quote from forklift supplier showing model, price, specifications

Equipment Financing vs Bank Business Loan:

  • β€’ Simpler documentation - no complex financial statements required
  • β€’ Faster approval - 24 hours vs 2-4 weeks
  • β€’ Equipment serves as collateral - no additional property mortgage needed
  • β€’ Focus on equipment value and cash flow, not perfect credit score

Frequently Asked Questions About Forklift Financing

Everything warehouse managers need to know about equipment ownership

For year-round warehouse operations, buying with financing is more cost-effective than long-term rental. Our ROI analysis shows break-even typically occurs at 18-24 months. After that, you build equity while renters continue paying forever. Financing preserves working capital while giving you ownership benefits.

Yes! We finance used forklifts up to 8 years old from reputable brands. Equipment must be in good working condition and pass inspection. Used electric forklifts with lithium-ion batteries are excellent investments - lower upfront cost, proven reliability, and still 70-80% of operational lifespan remaining.

Equipment financing offers several tax advantages: (1) Depreciation deductions over equipment lifespan, (2) Interest payments are tax-deductible business expenses, (3) Potential green technology incentives for electric forklifts. Consult your accountant for specific tax treatment based on your business structure. Many clients save 20-30% in effective costs through tax benefits.

Interest rates range from 6.5% to 11% annually depending on credit profile, equipment age, down payment, and loan term. Total monthly payment includes principal + interest. For example: RM 100,000 forklift at 8% over 48 months = RM 2,441/month. Compare this to rental at RM 3,000-3,500/month for the same equipment.

Absolutely! Electric forklifts are 72% of market share and growing. Lithium-ion batteries cost more upfront but deliver 40% better efficiency than lead-acid and 88% better than diesel. We finance the complete package: forklift + lithium battery + charger. Total cost of ownership analysis shows 5-year savings of RM 80,000+ compared to diesel equivalents.

Financing (hire purchase) means you own the equipment at the end. Leasing means you return it or buy it out. Financing builds equity, offers tax depreciation benefits, and gives you control over equipment maintenance. Leasing offers lower monthly payments but no ownership. For established warehouses with long-term needs, financing is typically more economical.

Standard terms: 12-60 months. Most warehouse operators choose 36-48 months for optimal balance between monthly payment and total interest cost. Shorter terms (24-36 months) for used equipment. Longer terms (48-60 months) for new electric forklifts with 10+ year lifespan. Match your payment term to equipment expected useful life.

Yes! Fleet financing is one of our specialties. Benefits: (1) Volume discounts on interest rates for 2+ units, (2) Single monthly payment for all equipment, (3) Staggered delivery schedules to match warehouse expansion, (4) Mix different forklift types in one financing package. Perfect for e-commerce warehouses scaling operations.

For individuals: IC/Passport, 6 months bank statements, income proof. For companies (most common): SSM registration, company bank statements (6 months), directors' IC, financial statements (if available). Equipment quote/invoice from supplier. The process is simpler than bank business loans - we focus on equipment value and your operational cash flow, not complex financial analysis.

Yes! We can include attachments (side shifters, clamps, rotators, extended forks) in the financing package. Spare parts can be financed if purchased with the forklift. Battery upgrades (lead-acid to lithium-ion) can also be financed separately. Total solution approach for complete warehouse equipment needs.

Ready to Stop Renting and Start Owning?

Join hundreds of warehouse managers who made the switch from rental to ownership. Calculate your ROI, submit your application, and get approved within 24 hours.

No Obligation Quote
24-Hour Approval
40 Years Experience

Get Your Free Financing Quote

We'll contact you within 2 hours during business hours with a customized financing proposal

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