Lorry Financing for Logistics Startups: Start Your Business with 0% Deposit

You have the drive. You have the plan. You know logistics can be profitable. But you do not have RM 100,000 cash to buy your first lorry.

This is the reality for aspiring logistics entrepreneurs across Malaysia. The business opportunity is clear. The capital barrier is the problem.

What if you could start your logistics business without touching your savings? What if you could get your first lorry with 0% deposit and 100% financing?

In this guide, you will learn exactly how to finance your first logistics lorry as a startup. No existing track record needed. No massive capital required. Just your determination and the right financing partner.

Why Startups Need Lorry Financing (Not Cash Purchase)

Preserve Capital for Operations

When you start a logistics business, you need money for many things:

Immediate Startup Costs:

• Lorry insurance (RM 4,000-8,000 annually)
• Road tax and commercial license (RM 2,000-5,000)
• GPS tracking system (RM 800-1,500)
• First month diesel (RM 3,000-5,000)
• Working capital buffer (RM 10,000-20,000)
• Marketing and client acquisition (RM 5,000-10,000)

Total startup costs beyond the lorry: RM 25,000-50,000

If you use all your savings to buy a lorry cash (RM 80,000-150,000), you have nothing left for operations. One breakdown, one delayed payment, one slow month - your business is at risk.

Smart Strategy: Finance the Lorry, Keep Your Cash

With 0% deposit lorry financing:

• Lorry cost: RM 0 upfront
• Your RM 100,000 savings: Intact for operations
• Monthly payment: RM 3,500-4,500 (affordable from revenue)
• Safety buffer: RM 100,000 for emergencies and growth

Your capital becomes working capital, not locked in depreciated asset.

Leverage Financing for Faster Growth

Cash Purchase Model:

• Save RM 100,000 → Buy lorry 1
• Work 2 years, save RM 100,000 → Buy lorry 2
• Work 2 years, save RM 100,000 → Buy lorry 3
• Timeline: 4+ years to own 3 lorries

100% Financing Model:

• Finance lorry 1 with 0% deposit → Start immediately
• After 6 months (proven track record) → Finance lorry 2
• After 1 year (stable cash flow) → Finance lorry 3
• Timeline: 1-2 years to operate 3 lorries

Finance lets you scale 3x faster than cash purchase.

Tax Benefits of Financing (Vs Cash)

Cash Purchase:

• Pay RM 100,000 from after-tax money
• Depreciation claim: 20% annually (RM 20,000/year)
• Tax savings: RM 20,000 × 17% = RM 3,400/year

Lorry Financing:

• Monthly payment: RM 4,000 (RM 48,000 annually)
• Interest portion is tax-deductible: ~RM 8,000/year
• Tax savings: RM 8,000 × 17% = RM 1,360/year

Combined with capital preservation, financing makes better financial sense for startups.

Types of Lorries for Logistics Startups

1-Ton Lorries (Entry-Level Startups)

Best For:

• First-time logistics entrepreneurs
• Local delivery services (within city)
• E-commerce fulfillment
• Small cargo transport
• Building materials delivery (small volume)

Price Range: RM 45,000-70,000 (new), RM 25,000-45,000 (used)

Monthly Financing (5-Year Term, 0% Deposit):

• New 1-ton: RM 1,200-1,800/month
• Used 1-ton: RM 650-1,200/month

Earning Potential:

• Per trip: RM 80-150
• Daily trips: 4-6 trips
• Monthly revenue: RM 9,600-27,000

ROI Timeline: 8-12 months to break even

Popular Models:

• Daihatsu Gran Max
• Isuzu NKR
• Hino 300 Series (1-ton)

Startup Advantage: Low monthly payment, easy to find clients, high demand for small deliveries

3-Ton Lorries (Standard Startup Choice)

Best For:

• General logistics business
• Factory-to-warehouse transport
• Wholesale distribution
• Furniture delivery
• Construction materials (medium volume)

Price Range: RM 80,000-140,000 (new), RM 50,000-90,000 (used)

Monthly Financing (5-Year Term, 0% Deposit):

• New 3-ton: RM 2,000-3,500/month
• Used 3-ton: RM 1,300-2,300/month

Earning Potential:

• Per trip: RM 200-400
• Daily trips: 3-5 trips
• Monthly revenue: RM 18,000-60,000

ROI Timeline: 6-10 months to break even

Popular Models:

• Isuzu NKR/NPR
• Hino 300 Series
• Mitsubishi Fuso Canter

Startup Advantage: Most versatile size, wide client base, good balance of cost vs. earning potential

5-Ton Lorries (Growth-Focused Startups)

Best For:

• Ambitious startups targeting larger contracts
• Industrial transport
• Long-distance logistics
• Container transport
• Bulk cargo delivery

Price Range: RM 120,000-200,000 (new), RM 80,000-130,000 (used)

Monthly Financing (5-Year Term, 0% Deposit):

• New 5-ton: RM 3,000-5,000/month
• Used 5-ton: RM 2,000-3,300/month

Earning Potential:

• Per trip: RM 400-800
• Daily trips: 2-4 trips
• Monthly revenue: RM 24,000-96,000

ROI Timeline: 5-8 months to break even

Popular Models:

• Isuzu FRR/FSR Series
• Hino 500 Series
• UD Trucks (Nissan)

Startup Advantage: Higher revenue per trip, appeal to corporate clients, faster profit accumulation

Which Size Should You Choose?

Start with 1-Ton If:

• ✅ You have limited startup experience
• ✅ You want minimum financial risk
• ✅ You already have small delivery contracts lined up
• ✅ Your target market is local (within 30km radius)
• ✅ You plan to operate the lorry yourself initially

Start with 3-Ton If:

• ✅ You have identified a steady client or contract
• ✅ You want maximum versatility (can handle most jobs)
• ✅ You plan to hire a driver eventually
• ✅ Your target market includes factories and wholesalers
• ✅ You want balance between cost and earning power

Start with 5-Ton If:

• ✅ You already have a confirmed contract requiring this size
• ✅ You have logistics industry experience
• ✅ You can handle higher monthly commitment (RM 3,000-5,000)
• ✅ Your target market is industrial or long-distance
• ✅ You want faster ROI through higher revenue per trip

Pro Tip: Most successful logistics startups begin with one 3-ton lorry. It opens the most doors while keeping risk manageable.

The 0% Deposit Advantage for New Businesses

What 0% Deposit Actually Means

Traditional Bank Financing:

• Lorry price: RM 100,000
• Required deposit: 20-30% (RM 20,000-30,000)
• Financed amount: RM 70,000-80,000
• Cash needed upfront: RM 20,000-30,000

0% Deposit Financing (Our Offer):

• Lorry price: RM 100,000
• Required deposit: RM 0
• Financed amount: RM 100,000 (100% financing)
• Cash needed upfront: RM 0

You start your business without using your savings.

Real Impact: Startup Financial Comparison

Scenario: Ahmad Wants to Start Logistics Business

Ahmad has RM 50,000 in savings. He needs a RM 100,000 lorry.

With Traditional 20% Deposit Requirement:

• Lorry deposit: RM 20,000 (paid upfront)
• Insurance + road tax: RM 6,000
• First month diesel: RM 4,000
• GPS + minor expenses: RM 2,000
• Total spent: RM 32,000
• Remaining savings: RM 18,000
• Monthly payment: RM 2,000 (for RM 80,000 loan)

Risk: Only RM 18,000 buffer. If business is slow in first 3 months, Ahmad is in trouble.

With 0% Deposit Financing:

• Lorry deposit: RM 0
• Insurance + road tax: RM 6,000
• First month diesel: RM 4,000
• GPS + minor expenses: RM 2,000
• Total spent: RM 12,000
• Remaining savings: RM 38,000
• Monthly payment: RM 2,500 (for RM 100,000 loan)

Benefit: RM 38,000 buffer. Ahmad can survive 6-9 months of slow business without stress.

Extra RM 20,000 in working capital = 6+ months of safety buffer

Why This Matters for First-Time Entrepreneurs

Startup Reality Check:

Most new logistics businesses face challenges in the first 6 months:

1. Client Acquisition Takes Time: 2-3 months to build steady client base
2. Payment Terms: Many clients pay 30-60 days after service
3. Unexpected Costs: Maintenance, minor accidents, permit fees
4. Learning Curve: Route optimization, fuel efficiency, client management

With 0% deposit, you have breathing room to learn and grow.

Your savings remain intact to cover:

• Slow months before revenue stabilizes
• Emergency repairs
• Driver salary (when you hire)
• Marketing to acquire clients
• Invoice financing gap (clients pay late)

Capital preservation is survival insurance for startups.

Startup-Friendly Eligibility Requirements

What Traditional Banks Require (Often Impossible for Startups)

Bank Requirements:

• ❌ 2-3 years business operation history
• ❌ Audited financial statements
• ❌ Strong credit score (700+)
• ❌ Existing collateral or assets
• ❌ 20-30% cash deposit
• ❌ Proven profitability (profitable for 2+ years)

Result: Most startups are rejected before the application even begins.

What We Require (Startup-Realistic)

Our Requirements for New Logistics Businesses:

1. Basic Identity & Business Registration

• ✅ MyKad (NRIC) - proof of identity
• ✅ SSM registration - even if just registered this month
• ✅ Business bank account - even if balance is low

2. Proof of Financial Capacity

• ✅ Personal bank statements (6 months) - shows you manage money responsibly
• ✅ OR savings account - proves you have been building capital
• ✅ OR employment income (if transitioning from employee to entrepreneur)

3. Business Proof (Flexible for Startups)

• ✅ Client contract or letter of intent (if available)
• ✅ OR business plan with market research
• ✅ OR verbal commitments from potential clients (we can verify)
• ✅ OR proof of industry experience (previous employment in logistics)

4. Lorry Quotation

• ✅ Formal quotation from supplier
• ✅ Specifications and price
• ✅ Supplier contact for verification

That’s it. No 2-year track record. No audited statements. No impossible requirements.

Self-Employed & New Business Acceptance

We Understand Startup Realities:

Reality 1: You Just Started

• Banks say: “Come back after 2 years of operation”
• We say: “Show us your first contract or business plan”

Reality 2: Cash-Based Income

• Banks say: “We need formal financial statements”
• We say: “Bank deposits, client contracts, or delivery records work”

Reality 3: Building Credit History

• Banks say: “Your credit score is too low (no history)”
• We say: “Let’s build your credit together - starting with this lorry”

Reality 4: Limited Collateral

• Banks say: “What other assets can you pledge?”
• We say: “The lorry itself is the collateral - 0% deposit required”

Reality 5: Irregular Early Income

• Banks say: “Your income is too inconsistent”
• We say: “We see your contracts - revenue will stabilize soon”

We specialize in saying YES to startups that banks reject.

Credit Score Flexibility for New Entrepreneurs

Acceptable Credit Profiles:

Profile 1: Young Entrepreneur (Minimal Credit History)

• Age: 25-30
• Credit score: 650-700 (limited history, not bad history)
• Situation: Just graduated or saved from employment, starting business
• Decision: APPROVED - we see potential, not just past

Profile 2: Self-Employed Transitioner

• Age: 30-40
• Credit score: 600-680 (some minor past issues, now stable)
• Situation: Worked as driver for 5 years, now starting own logistics
• Decision: APPROVED - industry experience counts heavily

Profile 3: Serial Entrepreneur

• Age: 35-50
• Credit score: 620-700 (past business challenges, now recovered)
• Situation: Previous business closed, starting fresh in logistics
• Decision: APPROVED - entrepreneurial experience + current stability

Profile 4: First-Time Business Owner

• Age: Any
• Credit score: 700+ (good personal credit, no business credit yet)
• Situation: Saved capital, ready to start logistics business
• Decision: APPROVED - strong personal financial management

Minimum acceptable credit score: 580-600 (case-by-case basis)

We look at your CURRENT situation and FUTURE potential, not just your PAST credit score.

Fast Approval to Start Operations Quickly

Why Speed Matters for Startups

Startup Window of Opportunity:

Contracts do not wait. When a potential client says “Can you start next week?”, they mean it.

Real Scenarios:

1. Factory Contract: “We need 2 lorries for daily delivery starting Feb 1st”

   • If you wait 4 weeks for bank approval, contract goes to competitor
   • If you get approved in 3 days, you secure the contract

2. E-commerce Partner: “Our current logistics partner is unreliable, we want to switch”

   • Window to impress: 1-2 weeks
   • Long approval time = missed opportunity

3. Seasonal Demand: “CNY rush, need extra lorries for Jan-Feb”

   • Seasonal contracts are short-term windows
   • Slow approval = miss entire season

For startups, speed = survival.

Our Startup Approval Timeline

Day 1: Initial Contact & Application

Morning (9 AM - 12 PM):

• You: WhatsApp us with your startup plan
• Us: Respond within 1-2 hours
• You: Submit required documents (MyKad, SSM, bank statements, quotation)
• Us: Acknowledge receipt, begin preliminary assessment

Afternoon (2 PM - 6 PM):

• Us: Review documents, check credit, verify business registration
• Us: Contact you if clarifications needed (you respond same day)
• Us: Preliminary assessment completed

Day 2: Credit & Business Verification

Morning:

• Us: Verify lorry quotation with supplier
• Us: Check references (if provided)
• Us: Assess affordability based on projected business income

Afternoon:

• Us: Preliminary approval decision
• Us: WhatsApp you: “Your lorry financing is approved, subject to final paperwork”

Day 3: Final Approval & Documentation

Morning:

• Us: Issue formal approval letter
• Us: Send hire purchase agreement for review
• You: Review terms, ask questions

Afternoon:

• You: Sign and return agreement
• Us: Coordinate with supplier for lorry delivery

Days 4-7: Lorry Delivery & Payment

• Supplier prepares lorry
• Delivery scheduled
• You collect lorry
• We release payment to supplier
• You start operations immediately

Total: 3 days approval, 7 days to drive your lorry

Compare: Bank vs. Our Startup Process

Traditional Bank (4-6 Weeks Minimum):

Week 1:

• Visit branch (often rejected at first meeting for being “too new”)
• If accepted, submit mountain of documents
• Wait for loan officer to review

Week 2-3:

• Credit assessment
• Business viability study (they question every aspect)
• Request additional documents (often impossible for startups to provide)

Week 4-5:

• Credit committee review (meets once a week)
• If approved, legal documentation preparation
• Insurance arrangement

Week 6:

• Final approval
• Disbursement to supplier
• Collect lorry

Reality: Many startups are rejected after 2-3 weeks of waiting

Our Process (1 Week Total):

Day 1: Submit application Day 2: Preliminary approval Day 3: Final approval Days 4-7: Collect lorry

Difference: 5 weeks saved = 5 weeks earlier revenue

If your monthly revenue is RM 10,000 per lorry, 5 weeks delay = RM 12,500 lost revenue.

Fast approval literally pays for itself.

ROI Calculation for Your First Lorry

Real Numbers: 3-Ton Lorry Startup Example

Initial Investment (With 0% Deposit):

• Lorry: RM 0 upfront (100% financed)
• Insurance: RM 5,000
• Road tax + permits: RM 2,500
• GPS system: RM 1,000
• First month diesel: RM 3,500
• Misc. startup costs: RM 2,000
• Total Cash Outlay: RM 14,000

Monthly Operating Costs:

• Lorry payment: RM 2,500 (60 months, RM 100,000 lorry)
• Diesel: RM 3,500 (300km daily, RM 2.05/liter, 25L/day)
• Maintenance: RM 800 (service, minor repairs, tires)
• Insurance (monthly): RM 420 (RM 5,000 / 12 months)
• Road tax (monthly): RM 210 (RM 2,500 / 12 months)
• Driver salary: RM 2,500 (if hired) OR RM 0 (if owner-operated)
• Total: RM 9,930 (with driver) OR RM 7,430 (owner-operated)

Monthly Revenue Scenarios:

Conservative (Owner-Operated, Building Clientele):

• Daily trips: 3 trips
• Average per trip: RM 250
• Monthly working days: 24 days
• Monthly revenue: RM 18,000
• Monthly expenses: RM 7,430
• Net profit: RM 10,570/month

Moderate (1-2 Regular Contracts):

• Daily trips: 4 trips
• Average per trip: RM 280
• Monthly working days: 26 days
• Monthly revenue: RM 29,120
• Monthly expenses: RM 9,930 (hired driver)
• Net profit: RM 19,190/month

Optimistic (Established Contracts):

• Daily trips: 5 trips
• Average per trip: RM 300
• Monthly working days: 26 days
• Monthly revenue: RM 39,000
• Monthly expenses: RM 9,930
• Net profit: RM 29,070/month

Breakeven Timeline

Scenario 1: Conservative (Owner-Operated)

• Initial investment: RM 14,000
• Monthly net profit: RM 10,570
• Breakeven: 1.3 months (6 weeks)

Scenario 2: Moderate (With Driver)

• Initial investment: RM 14,000
• Monthly net profit: RM 19,190
• Breakeven: 0.7 months (3 weeks)

Scenario 3: Optimistic (Busy Schedule)

• Initial investment: RM 14,000
• Monthly net profit: RM 29,070
• Breakeven: 0.5 months (2 weeks)

Most startups break even within 2-4 months.

First Year Profit Projection

Conservative Trajectory:

• Months 1-3: RM 8,000/month (slow start, building clients)
• Months 4-6: RM 12,000/month (regular clients established)
• Months 7-12: RM 15,000/month (consistent operation)

Total Year 1 Net Profit: RM 126,000

After paying all expenses, loan payment, driver salary, everything - you net RM 126,000 profit in first year.

ROI: 900% (RM 126,000 profit on RM 14,000 investment)

Growth Scenario: Adding Lorry 2

After 6 Months Successful Operation:

You now have:

• Proven track record (6 months financials)
• Established client relationships
• Operational experience
• Strong cash flow

Decision: Add Second Lorry

Same 0% deposit financing for lorry 2:

• No cash needed (RM 0 deposit)
• Hire second driver
• Double your capacity

Year 1 Result (With 2 Lorries from Month 7):

• Lorry 1 net profit: RM 126,000
• Lorry 2 net profit: RM 90,000 (6 months operation)
• Total profit: RM 216,000

This is how logistics empires are built - one lorry at a time, using 0% deposit financing to preserve capital.

Tax Benefits (Bonus ROI)

Interest Deduction:

• Annual loan interest (approx.): RM 9,000
• Your tax rate (assumes 17% SME rate): 17%
• Tax savings: RM 1,530/year

Capital Allowance:

• Lorry cost: RM 100,000
• Annual allowance: 20% (RM 20,000)
• Tax rate: 17%
• Tax savings: RM 3,400/year

Total annual tax benefit: RM 4,930

Over 5 years: RM 24,650 tax savings

Talk to your accountant to maximize these benefits.

Get Started: Your Startup Action Plan

Step 1: Validate Your Business Idea (Week 1)

Before applying for financing, validate market demand:

Research Questions:

1. Who are potential clients in my area? (factories, e-commerce, wholesalers?)
2. What are current logistics rates in my target market? (RM/trip or RM/km?)
3. What lorry size is most in-demand? (talk to 5-10 potential clients)
4. What is typical payment terms? (cash, 7 days, 30 days?)
5. What routes or services are underserved? (opportunity gaps?)

Validation Methods:

• Cold call 20 potential clients, gauge interest
• Visit industrial areas, ask what logistics pain points they have
• Join Facebook groups (logistics, e-commerce, SME), ask questions
• Talk to existing lorry operators (non-competitors in different areas)

Goal: Get 1-2 verbal commitments or strong interest before financing

Step 2: Prepare Your Documents (Week 1-2)

Gather required documents:

Essential:

• MyKad (front + back, clear photo)
• SSM registration (even if just registered, get Form 9/D)
• Bank statements - 6 months (personal or business)
• Lorry quotation from supplier (formal, with specs)

Helpful (Strengthens Application):

• Client letter of intent or verbal commitment (documented)
• Business plan (simple 1-page: target market, services, revenue projection)
• Industry experience proof (previous employment in logistics, if any)
• Proof of address (utility bill)

Pro Tip: Save all documents in one folder labeled “Lorry Financing Docs”. When you apply, you send everything at once - fast approval.

Step 3: Get Lorry Quotation (Week 2)

Find reputable suppliers:

How to Choose Supplier:

1. Google “lorry dealer [your area]” (e.g., “lorry dealer Klang”)
2. Visit 3-5 dealers, compare prices and lorry condition
3. Ask: “Do you provide formal quotation for financing?”
4. Ask: “How fast can you deliver after payment?”
5. Check reviews online (Google reviews, Facebook)

What Should Quotation Include:

• Supplier letterhead and stamp
• Lorry make, model, year
• Engine capacity, tonnage
• Price (clearly stated)
• Supplier bank account details
• Validity period (30 days minimum)

Get 2-3 quotations to compare - negotiate best price before financing.

Step 4: Apply for Financing (Week 2-3)

Contact us via WhatsApp: +60 17-570 0889

Your message:

“Hi, I’m [your name]. I’m starting a logistics business and need lorry financing. I’m interested in 0% deposit financing for a [tonnage] lorry. I have all required documents ready. Can you guide me through the process?”

We will respond within 1-2 hours with:

• Confirmation of document requirements
• Preliminary rate indication
• Next steps

Then submit all documents in one batch:

• Take clear photos of each document
• Send via WhatsApp (all at once, not one by one over several days)
• Mention any special circumstances (new business, self-employed, etc.)

We begin processing immediately.

Step 5: Approval & Documentation (Week 3)

What to expect:

• Day 1: Application submitted
• Day 2: Preliminary approval (we WhatsApp you)
• Day 3: Final approval letter issued
• You review hire purchase agreement
• You ask questions (we explain every detail)
• You sign and return agreement

Important: Read agreement carefully

• Loan amount: Confirm matches lorry price
• Interest rate: Understand total interest over tenure
• Monthly payment: Ensure you can afford comfortably
• Tenure: Confirm number of months
• Early settlement: Check if allowed (usually yes)

Don’t rush this step. Understand what you’re signing.

Step 6: Lorry Delivery & Start Operations (Week 4)

Delivery coordination:

• We contact supplier to schedule delivery
• You coordinate collection time
• Inspect lorry before accepting (check condition, mileage, documents)
• Supplier provides:
  • Vehicle registration card (original)
  • Warranty documents (if new)
  • Service records (if used)
  • Owner’s manual

Post-Collection Checklist:

• Install GPS tracking (if not already installed)
• Purchase insurance (we can recommend providers)
• Register for road tax (JPJ)
• Get commercial vehicle permit (if required for your services)
• Photograph lorry (for marketing, documentation)

You are now ready to operate!

Step 7: First 30 Days Operations (Month 1)

Focus on client acquisition:

Week 1:

• Contact all leads from validation phase
• Confirm verbal commitments into actual contracts
• Set pricing structure (competitive but profitable)
• Create basic marketing (Facebook page, Google Business, WhatsApp status)

Week 2:

• Complete first deliveries (even if small jobs)
• Ask for testimonials or reviews
• Network in industrial areas (drop name cards, introduce yourself)
• Join online logistics marketplaces (GoGet, Lalamove for overflow work)

Week 3:

• Follow up with satisfied clients for repeat business
• Request referrals
• Optimize routes for fuel efficiency
• Track all expenses (fuel, maintenance, toll)

Week 4:

• Review first month financials
• Calculate actual cost per trip
• Adjust pricing if needed
• Plan for Month 2 growth

Goal: Break even or close to break even by end of Month 1

Apply Now: Start Your Logistics Business This Month

Stop waiting. Stop saving. Start building your logistics empire today with 0% deposit lorry financing.

What You Get:

• ✅ 0% deposit required - start without using your savings
• ✅ 100% financing - finance the full lorry value
• ✅ Fast approval - 1-3 days for startups (vs. 4-6 weeks at banks)
• ✅ Self-employed friendly - we understand startup realities
• ✅ New business accepted - no 2-year track record needed
• ✅ Flexible documentation - we work with what you have
• ✅ Expert guidance - 40 years financing Malaysian entrepreneurs

Contact Us Now

WhatsApp (Fastest): +60 17-570 0889

Say: “Hi, I want to start a logistics business. Tell me about 0% deposit lorry financing for startups.”

We respond within 1-2 hours with:

• Startup-specific requirements
• Financing options for your situation
• Lorry recommendations for beginners
• Next steps to get started

What to Prepare

Before contacting us, have ready:

1. MyKad (NRIC)
2. SSM registration (even if just registered)
3. Bank statements (6 months)
4. Lorry quotation (or tell us your preferred lorry, we can help)

If available (bonus): 5. Client commitment or business plan 6. Industry experience proof 7. Proof of address

The more complete your documents, the faster your approval.

Why Choose Ing Heng Credit for Your Startup

40 Years Supporting Malaysian Entrepreneurs

We have financed thousands of startups like yours:

• First-time lorry owners who built 10-vehicle fleets
• Ex-drivers who became logistics company owners
• Young entrepreneurs who started from zero
• Self-employed operators who scaled to corporate clients

We understand startups because we finance startups every day.

Our Startup Commitment:

• We say YES when banks say NO
• We look at your POTENTIAL, not just your past
• We process FAST because opportunities don’t wait
• We explain CLEARLY (no financial jargon)
• We support LONG-TERM (not just one transaction)

Your success is our success. We grow together.

Next Steps After Approval

We don’t just finance your lorry and disappear:

Post-Financing Support:

• Business advice (from our 40 years experience)
• Networking opportunities (connect with other clients)
• Growth financing (when you’re ready for lorry 2, 3, 4…)
• Industry insights (market trends, opportunities)

Many of our clients started with one lorry. Today they operate 5, 10, 20 lorries.

Your first lorry is just the beginning. We’re here for the entire journey.

Conclusion: Your Logistics Business Starts Today

You have the determination. You have the plan. You have identified the opportunity.

The only thing stopping you is the capital barrier.

0% deposit lorry financing removes that barrier.

With 100% financing, you can:

• Start your business without depleting your savings
• Preserve capital for operations and emergencies
• Scale faster by financing multiple lorries over time
• Build your credit history through on-time payments
• Achieve breakeven within 2-4 months
• Generate net profit from Month 1

The logistics business is waiting. Your first client is out there. Your opportunity is now.

Malaysian logistics industry is growing. E-commerce is booming. Factories need reliable transporters. Demand is high, supply is limited.

This is your moment.

Don’t let lack of capital hold you back. Don’t wait 2-3 years to save RM 100,000. Don’t let opportunities pass while you wait.

Start today. Finance your first lorry with 0% deposit. Launch your logistics business this month.

WhatsApp us now: +60 17-570 0889

From first-time entrepreneur to logistics business owner in one week.

Let’s build your empire together.

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Related Startup Resources:

• Complete Beginner’s Guide to Lorry Financing
• Used Lorry Financing: Save 40% on Your First Vehicle
• How to Calculate Lorry Financing ROI (Startup Edition)

Equipment Financing:

• Lorry Financing Solutions
• Light Truck Financing (1-Ton)
• Prime Mover Financing (For Growth Stage)

Business Support:

• Hire Purchase vs. Loan Financing Comparison
• Self-Employed Financing Guide
• Startup Equipment Insurance