Road Roller Financing Malaysia: Get Your Equipment with 0% Deposit

When you watch that subcontractor’s road roller compacting the asphalt you laid, and you know that RM 12,000 you’re paying him per kilometer could be going straight into your pocket if you owned the roller, does that realization hit your gut like a sledgehammer?

When the road works tender requires “compaction equipment ownership” and you have to decline a RM 800,000 project because you only have pavers but no roller, does your heart sink knowing that missing equipment cost you months of revenue?

When you calculate that renting a road roller costs RM 8,500 per month, and over 5 years you’ll pay RM 510,000 for something you’ll never own, does that frustration burn in your chest like breathing smoke?

Stop subcontracting your profits. Start controlling your compaction.

Your Roller. Your Projects. Your Complete Road Works Revenue.

At Ing Heng Credit, we’ve seen too many road contractors surrender massive profits to equipment rental companies and subcontractors. That’s why we offer 0% deposit road roller financing with 100% financing options that complete your road construction capabilities from day one.

No more subcontracting compaction work to others. No more losing tender opportunities due to missing equipment. No more rental payments disappearing into other people’s accounts.

Your road roller. Your complete projects. Your full margins.

The Subcontracting Trap That’s Bleeding Your Profits

The Hidden Cost of Incomplete Equipment

Ahmad runs a road construction company in Seremban. He owns pavers and trucks, but for 6 years he’s been subcontracting all compaction work because he doesn’t own a road roller.

Annual subcontracting costs: RM 180,000 Total over 6 years: RM 1,080,000

For that same amount, he could have owned FOUR quality road rollers.

But subcontracting seemed convenient: “No maintenance worries, no storage needs, just pay per kilometer.”

What the subcontractor didn’t reveal:

• Ahmad lost 40-50% margin on every compaction job
• His company couldn’t bid on complete road projects
• Client payments were delayed waiting for subcontractor coordination
• Quality control was out of his hands

The Tender Disqualification Problem

Government and private tenders often require “complete equipment capability.”

• Need paving AND compaction? “Show us your equipment list.”
• Want the full RM 2.5 million highway project? “Must own all required equipment.”
• Applying for JKR Grade 7 upgrade? “Equipment ownership is mandatory.”

When you don’t own road rollers, you can’t bid on the biggest, most profitable projects.

Siti’s company was disqualified from a RM 1.8 million township road project because they only owned pavers. The winning contractor had complete equipment including rollers.

Missing one piece of equipment = Missing complete project margins.

The Quality Control Challenge

Here’s what subcontractors won’t admit: Their priorities aren’t your priorities.

• Your timeline vs their schedule conflicts
• Your quality standards vs their “good enough” approach
• Your client relationships vs their equipment availability
• Your reputation vs their maintenance delays

When someone else controls your compaction quality, they control your project success.

0% Deposit: Your Path to Complete Road Construction

What 0% Deposit Really Means for Road Rollers

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

• Dynapac CC624 costs RM 320,000? Finance RM 320,000.
• CAT CB54 costs RM 280,000? Finance the full amount.
• Want to preserve cash for project working capital? Finance everything.

This is your competitive edge over contractors still subcontracting compaction work.

Why We Offer 0% Deposit When Others Won’t

Traditional banks require 25-35% deposit because:

• They don’t understand road construction project cycles
• They fear depreciation on specialized equipment
• They use cookie-cutter criteria for all industries

We offer 0% deposit because:

• We understand road construction cash flow patterns
• We know quality road rollers operate reliably for 15+ years
• We assess project potential, not just balance sheets

40+ years financing road equipment taught us: Complete equipment capability creates complete profits.

Real Customer Example: Hassan’s Complete Solution

Hassan needed a used Dynapac CC624 road roller (10 years old) to complete his road construction capabilities.

Bank Response: “Rejected. Specialized equipment too risky. Need 35% deposit minimum.”

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

Results after 24 months:

• Stopped subcontracting: Saved RM 15,000/month
• Won complete tenders: 3 major road projects
• Increased margins: From 25% to 45% on road works
• Business growth: From RM 120,000 to RM 280,000 monthly revenue

Hassan stopped paying others and started profiting completely.

We Finance Equipment Banks Consider “Too Specialized”

10+ Year Road Rollers: Our Expertise

Banks say: “Road rollers too specialized, must be under 5 years old.”

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

Why age doesn’t matter to us:

• Quality road rollers operate 12,000-18,000 hours reliably
• Proper maintenance extends life significantly
• Experienced contractors know equipment condition better than bank analysts
• Some of our most successful clients operate 15+ year old rollers profitably

Specialized Equipment We’ve Recently Financed

Dynapac CA512D - 12 years old

• Bank rejection: “Too specialized for general lending”
• Our approval: 0% deposit, 84 months
• Customer outcome: Contractor completed 15 road projects successfully

SAKAI SV540D - 14 years old

• Bank rejection: “Unknown brand, too risky”
• Our approval: 15% deposit, 72 months
• Customer outcome: Perfect compaction record, client retention 100%

Bomag BW219D - 16 years old

• Bank rejection: “Beyond standard financing criteria”
• Our approval: 20% deposit, 60 months
• Customer outcome: Equipment still operating daily after 4 years

The pattern: Banks see specialty risk. We see road construction expertise.

Fast Approval When Projects Can’t Wait

Why Speed Matters in Road Construction

Road construction projects have immovable deadlines.

• Government infrastructure has completion penalties
• Monsoon seasons limit working windows
• Traffic management requires precise scheduling
• Client handovers cannot be delayed

When you need road roller financing fast, banks move like slow traffic:

• 4-6 weeks approval process
• Multiple engineering reviews
• Endless equipment valuation delays
• Conservative committee decisions

Our Rapid Approval Process

Day 1: Submit Application

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

Day 1-2: Project Assessment

• No bureaucratic delays
• Focus on business substance and equipment utilization
• Real decisions by people who understand construction

Day 2-3: Approval Decision

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

Day 3-5: Disbursement

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

Real road contractors need real solutions, not bank bureaucracy.

Customer Success: Emergency Equipment Solution

Situation: Farid’s road roller broke down completely 3 days into a RM 600,000 highway project. Repair would take 6 weeks, but project completion deadline was 8 weeks.

Bank Timeline: 5-6 weeks for specialized equipment loan approval Our Timeline: 48 hours from application to approval

Outcome: Farid got a replacement road roller in 4 days, completed the project on time, earned full RM 180,000 profit, and preserved client relationships for future projects.

When deadlines don’t wait, neither do we.

Road Roller Types and Financing Options

Single Drum Vibratory Rollers

Perfect for:

• Soil and aggregate compaction
• Embankment construction
• Foundation preparation
• Large area compaction

Weight range: 8-14 tons Typical price range: RM 280,000 - RM 480,000 Popular brands: CAT, Dynapac, Bomag, SAKAI Financing terms: Up to 84 months

Double Drum Vibratory Rollers

Perfect for:

• Asphalt compaction
• Road surface finishing
• Parking lot construction
• Fine grade compaction

Weight range: 3-13 tons Typical price range: RM 220,000 - RM 420,000 Popular brands: Dynapac, Hamm, Bomag, Volvo Financing terms: Up to 84 months

Pneumatic Tire Rollers

Perfect for:

• Asphalt intermediate compaction
• Sealing surface voids
• Achieving smooth finishes
• Hot mix asphalt work

Weight range: 12-27 tons Typical price range: RM 380,000 - RM 650,000 Popular brands: CAT, Dynapac, Hamm Financing terms: Up to 96 months

New vs Used: Both Welcomed

New Road Rollers

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

Used Road Rollers (Up to 15+ Years)

• Proven reliability and lower cost
• Immediate availability for urgent projects
• Established maintenance history
• Often better value for money

We assess compaction capability and business need, not manufacturing year.

Bad Credit? We Focus on Project Capability.

Why Banks Reject, We Approve

Banks focus on credit scores and financial ratios. We focus on project capability and equipment utilization.

Recent Bad Credit Approvals

Road contractor with CCRIS issues

• Previous loan defaults during economic slowdown
• Current strong project pipeline and cash flow
• Approved with 25% deposit

Company with high debt-service ratio

• Multiple existing equipment loans
• Proven ability to complete projects profitably
• Approved with personal guarantee

New road construction company (under 1 year)

• No business credit history
• Strong founder background and project contracts
• Approved based on project potential

What We Evaluate Instead of Perfect Credit

Project Substance

• Current road construction contracts
• Client payment reliability
• Equipment utilization plans
• Compaction quality requirements

Cash Flow Evidence

• Bank statements showing project payments
• Client payment patterns
• Project completion cycles
• Revenue per project calculations

Construction Expertise

• Contractor experience level
• Equipment operation capabilities
• Realistic project projections
• Long-term business plans

Business Commitment

• Investment in business (deposit if required)
• Partnership approach to financing
• Long-term equipment relationship focus

Flexible Terms for Project 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 premium equipment

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 construction business)
• Project-based payment adjustments (for large contracts)

Real Payment Example

Example: Dynapac CC624 Road Roller

• Equipment Price: RM 320,000
• Down Payment: RM 0 (0% deposit)
• Loan Amount: RM 320,000
• Interest Rate: 9.2% p.a.
• Tenure: 72 months
• Monthly Payment: RM 5,680

Compare to Subcontracting:

• Subcontracting cost: RM 15,000/month (for equivalent work)
• Monthly savings: RM 9,320
• Annual savings: RM 111,840

After 72 months:

• Subcontracting cost: RM 1,080,000 (you own nothing)
• Financing cost: RM 408,960 (you own RM 320,000 asset)
• Net benefit: RM 671,040

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 road contractors settle early after completing major projects, then use the cleared equipment as collateral for additional rollers or other equipment.

The Application Process Made Simple

Documents You’ll Need

For Individual Contractors:

• Malaysian IC or passport (for foreigners)
• 3-6 months bank statements
• Income proof:
  • Project contracts and payments
  • Completed project records
  • KWSP statements (if applicable)
• Equipment quotation

For Companies:

• Company registration (SSM)
• Company bank statements (6 months)
• Directors’ IC copies
• Financial statements (if available)
• Current and completed project list

Optional but Helpful:

• CIDB registration and grading
• Client testimonials and references
• Equipment maintenance records (for used rollers)

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 construction equipment 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 project 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)

• Project portfolio and credit review
• Cash flow and construction experience 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 Road Contractors Choose Ing Heng Credit

40+ Years of Construction Equipment Expertise

Since 1985, we’ve been financing road construction equipment when banks considered it “too specialized.” We understand:

• How road construction projects really work
• Why equipment age matters less than maintenance quality
• When project cycles create temporary cash flow challenges
• How complete equipment ownership builds sustainable profits

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

Real People, Real Decisions

No committee approval delays. No junior officers making senior construction decisions. No computer algorithms determining your project future.

Our senior management team has decades of experience in construction and equipment financing. We make decisions based on project reality, not just financial formulas.

Competitive Rates, Transparent Terms

Our rates:

• New road rollers: From 8.2% p.a.
• Used rollers (under 10 years): From 9.2% p.a.
• Used rollers (10+ years): From 10.2% 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 roller. We help build complete construction fleets.

Many clients start with one road roller, then expand to multiple units and other equipment as their business grows. We support that growth with:

• Complete fleet financing packages
• Trade-in and upgrade options
• Relationship pricing for multiple units
• Construction business growth consulting

Success Stories: Real Contractors, Real Results

Case Study 1: From Subcontractor to Prime Contractor

Background: Ali, a road contractor from Johor, had been subcontracting all compaction work for 4 years.

Challenge: Subcontracting costs of RM 18,000 monthly were reducing project margins significantly.

Solution: Financed a used Dynapac CC624 (11 years old) with 0% deposit.

Results:

• Stopped subcontracting: Saved RM 18,000/month
• Won complete projects: 5 major road construction tenders
• Increased project margins: From 22% to 48%
• Business expansion: Added second roller within 30 months

Ali’s words: “I was paying someone else to do work I could do myself. Now I control every aspect of my projects.”

Case Study 2: Emergency Project Completion

Background: Mei Ling’s road roller broke down during the critical compaction phase of a RM 450,000 road project.

Challenge: Equipment repair would take 8 weeks, but project deadline was 6 weeks away.

Solution: Emergency financing for replacement roller in 36 hours.

Results:

• Project completed on time
• Full profit preserved: RM 135,000
• Client relationship strengthened
• Follow-up projects secured

Mei Ling’s words: “Ing Heng turned a potential disaster into a success story. My project and reputation were saved.”

Case Study 3: Complete Equipment Capability

Background: Rahman’s company could only bid on partial road projects because they lacked compaction equipment.

Challenge: Missing out on complete road construction tenders worth RM 2+ million annually.

Solution: Financed complete roller fleet (2 units) to achieve full project capability.

Results:

• Qualified for major tenders
• Won RM 1.8 million township road project
• Increased annual revenue by 140%
• Achieved JKR Grade 7 contractor status

Rahman’s words: “Complete equipment ownership opened doors to projects I could only dream about before.”

Equipment Maintenance and Ownership Benefits

Building Asset Value vs Subcontracting Forever

When you finance:

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

When you subcontract:

• Zero equity building
• No ownership benefits
• No asset value creation
• Cannot leverage for business expansion

Maintenance: Protecting Your Compaction Investment

Proper road roller maintenance:

• Extends equipment life beyond 15,000 hours
• Maintains optimal compaction performance
• Preserves resale value
• Prevents costly project delays

Monthly maintenance budget planning:

• Small rollers (3-8 tons): RM 800-1,500
• Medium rollers (8-15 tons): RM 1,500-2,500
• Large rollers (15+ tons): RM 2,500-4,000

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 Road Roller Ownership

Complete Project Capability

Asset-backed operations:

• Can bid on complete road construction projects
• Qualified for higher value tenders
• Better client confidence in equipment ownership
• Ability to guarantee project timelines

Business Expansion Opportunities

Equipment ownership enables:

• Prime contractor status for road works
• Subcontractor service provision to others
• Multiple project management
• Geographic expansion capabilities

Revenue Optimization

Direct compaction revenue:

• Keep 100% of compaction charges
• Price projects more competitively
• Extend project timelines without subcontractor pressure

Additional revenue streams:

• Rent roller to other contractors during downtime
• Offer compaction services to smaller contractors
• Seasonal deployment strategies

Getting Started Today

Quick Assessment

Answer these questions:

1. Do you currently subcontract compaction work regularly?
2. Are you missing tender opportunities due to incomplete equipment?
3. Would 0% deposit financing improve your project capability?
4. Do you have identified road roller needs?
5. Are you ready for complete project ownership?

If you answered “yes” to 3+ questions, road roller financing makes sense for your business.

Next Steps

Step 1: Equipment Identification

• Determine roller type and size needed for your projects
• 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 Subcontracting, Start Owning Complete Projects

Every month you continue subcontracting compaction work is another month of surrendering massive profits to others.

Every tender you can’t bid on due to incomplete equipment is a missed opportunity for complete project control.

Every project where you depend on subcontractors is a project where you don’t control quality, timing, or full margins.

The solution is complete ownership: Own your road roller.

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

The only question is: Will you keep paying others for work you could control, or start owning complete road construction projects?

Contact Ing Heng Credit today and transform from partial contractor to complete project owner.

Your road roller. Your complete projects. Your full margins. Your future.

---

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, road construction companies, and infrastructure developers acquire the equipment they need to grow their businesses. Our expertise in road construction equipment, combined with flexible financing solutions, makes complete project capability accessible to contractors of all sizes.

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