Dear sifus-sifus sekalian,

Please advice and enlighten me on my following scenario.

For 2 years now, I have been running my own business with my partner. It's a fairly small business and as of now, our accounts hasn't come to a stage where it's gaining profit just yet.

Therefore, from this business, we have not taken any form of 'salary' from it.

My partner has another full time job where else I am full timer for our business. For 2 years, my so called 'income' is provided by my partner from his portion of his full-time salary on cash basis.

I understand that I would have to establish somewhat an income credibility in order for the banks to evaluate my loan as I am keen to invest in properties some time soon.

So far based on my research and information gathered, these are the 'options' that were shared so I could start building my income credibility.

1. Start receiving month pay/salary+epf+socso from our business.
However, the thing that I ponder upon is that my business hasn't been making any profit yet so it would add up to our expenses.

2. Request 'help' from established company to issue monthly salary slip+epf+socso to you as if like you are really employed there. (of course how to settle/repay are just the back-end matters)

3. Set up another company of your own and pay your self salary each month. But I would have to find ways to 'declare' or 'make up' the kind of so-called income that my company would have and besides, I heard it would be better if the company's been 2 years or more.

Thank you V Much