Its simple, if you put the time in to earn the credits for a battleship, then you can do it. I did, I spent roughly 3 days on my Junker gathering 350million up, thats right it only took me three days to get 350million just mining scrap and some trade routing. Is three days too much to ask? (Roughly I spent 28 hours gathering the money and I still have 40mil left over to fund another ship).