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Industrial Hire Purchase
We provide fast, flexible, and trusted funding options to help your business grow with confidence.
Finance Machinery, Equipment, and Commercial Assets
What is Industrial Hire Purchase?
How Industrial Hire Purchase Works
Key Benefits of Industrial Hire Purchase
Industrial Hire Purchase vs Term Loan vs Leasing
Who Should Consider Industrial Hire Purchase?
Eligibility Criteria
Why Choose IFS Capital for Industrial Hire Purchase
Industries We Serve
Frequently Asked Questions
Apply Now

Finance Machinery, Equipment, and Commercial Assets

Industrial hire purchase in Malaysia is a financing facility that allows businesses to acquire equipment through fixed monthly instalments. You use the asset from day one and own it outright once the facility is fully settled.

IFS Capital is an established financial institution with over 20 years of SME financing experience. We provide industrial hire purchase for ICT equipment in Malaysia. We offer up to 90% financing of the asset cost with a tenure of up to 36 months.

If paying upfront for essential assets hurts your cash flow, this facility can help. It lets you grow without using up your working capital.

Apply Now

What is Industrial Hire Purchase?

Construction equipment financed through IFS Capital industrial hire purchase
Industrial Hire Purchase is a financing facility that enables businesses to acquire equipment through instalment payments, with ownership transferred at the end of the tenure.

It is commonly used to finance:
  • Industrial and manufacturing equipment
  • Construction and heavy equipment
  • Printing, packaging, and processing equipment
Key outcome:
You acquire essential business assets without paying the full cost upfront.
Apply Now

How Industrial Hire Purchase Works

Step 1: Asset Selection

Choose the equipment required for your operations.

Step 2: Financing Application

Submit your requirements and supporting documents to IFS Capital. 

Step 3: Credit Assessment and Approval

IFS Capital evaluates your financial position, the asset type, and your repayment capacity.

Step 4: Asset Purchase

IFS Capital purchases the asset on your behalf. 

Step 5: Instalment Repayment

You use the asset while repaying in fixed monthly instalments over the agreed tenure.

Step 6: Ownership Transfer

Ownership is transferred to your business upon full repayment. 

Key Benefits of Industrial Hire Purchase

Preserve Cash Flow

Avoid large upfront capital expenditure, and maintain liquidity for daily operations.

Immediate Asset Utilisation

Start using equipment as soon as financing is approved.

Fixed Instalment Structure

Predictable monthly payments up to 36 months to support better financial planning.

Ownership at End of Tenure

Gain full ownership of the asset after completing repayments.

High Financing Margin

Access up to 90% financing of the asset value, reducing initial capital requirements.

Apply Now

Industrial Hire Purchase vs Term Loan vs Leasing

Feature Industrial Hire Purchase Term Loan Leasing
Ownership Transferred at the end Immediate Usually no ownership
Asset Type Equipment Any business purpose Equipment
Payment Structure Fixed instalments Instalments Rental payment
Upfront Cost Low (as little as 10%) Medium Low
Best for Equipment ownership General financing Short-term asset use
Feature Industrial Hire Purchase Term Loan Leasing
Ownership Transferred at the end Immediate Usually no ownership
Asset Type Equipment Any business purpose Equipment
Payment Structure Fixed instalments Instalments Rental payment
Upfront Cost Low (as little as 10%) Medium Low
Best for Equipment ownership General financing Short-term asset use

Industrial hire purchase is best suited for businesses that want ownership of equipment with structured repayments, rather than renting or using general-purpose financing.

Who Should Consider Industrial Hire Purchase?

Manufacturers and Producers

Investing in machinery, automation, or production lines.

SMEs Scaling Operations

Businesses that need structured financing for ICT equipment while maintaining cash flow.

Eligibility Criteria

To qualify for equipment financing with IFS Capital, your business should:

Be registered and operating

in Malaysia

Require

equipment

for business use

Have an

established operating history

Demonstrate the

ability to service repayments

Eligible business types include sole proprietorships, partnerships, and private limited companies (Sdn Bhd). IFS Capital will review financial statements and asset details as part of the assessment.

Why Choose IFS Capital for Industrial Hire Purchase

IFS Capital combines deep equipment financing expertise with practical execution to support your asset acquisition needs.

  • 20+ years of business financing experience in Malaysia
  • Part of the PhillipCapital group, backed by SGX-listed IFS Capital Limited
  • Flexible financing structures aligned to your asset and cash flow requirements
  • Fast approval and disbursement once assessed
  • Transparent terms with no hidden fees or complexity

We deliver structured, scalable financing solutions to help businesses acquire the assets they need to grow.

Apply Now

Industries We Serve

IFS Capital supports equipment financing across a range of sectors in Malaysia:

Manufacturing

Finance production lines, automation equipment to increase output and competitiveness.

Medical Industries

Finance medical equipment and assets.

Printing, Packaging, and Processing

Upgrade production capabilities with modern ICT equipment to improve efficiency and capacity.
Apply Now

Get the Equipment Your Business Needs

Request a Consultation

IFS Capital helps businesses acquire equipment without delaying growth. Preserve your cash flow, invest in the right equipment, and grow your operations with confidence.

No obligation. Most enquiries receive an initial response within one business day.

Frequently Asked Questions

What is an industrial hire purchase?

Industrial hire purchase is a financing solution that lets businesses get equipment through installments. Ownership transfers at the end of the term.

How much financing can I get?

IFS Capital offers up to 90% of the asset value, depending on the credit assessment and asset type.

What assets can be financed?

ICT, medical and manufacturing equipment

Is collateral required?

The financed asset itself usually serves as the primary security.

What is the repayment tenure?

Repayment periods of up to 36 months are available, depending on the asset and financing structure.

What is the difference between hire purchase and leasing?

Hire purchase leads to ownership, while leasing generally does not.

Can SMEs apply for industrial hire purchase?

Yes. SMEs with stable operations and financing needs are eligible.

Can used machinery be financed?

Yes, subject to valuation and approval by IFS Capital.

Is the interest rate fixed?

Many industrial hire purchase facilities offer fixed rates for predictable repayments.

Can I settle the financing early?

Early settlement may be permitted, subject to the terms and conditions of your facility agreement.
Start your financing journey with us

Feel free to contact us if you have any questions regarding your financing requirements. Our representatives will get back to you as soon as possible.

Rest assured that a formal financing request will only be made with your agreement after the call.

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