Quote:
Originally Posted by Refplace
Cownership: Both parties own the ship, the buyer agrees to a minimum percentage of revenue to to the lender. The revenue pays off the loan plus a fee. In the meantime the owner may have a rep aboard and has some control over its use. ...
The actual total cost should work out about the same in settings you have both methods.
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There's a problem with that model for spaceships. Unless you have near-instant interstellar communication, you have to send the representative along on the ship's journeys. He's pretty much dedicated to the ship, and needs to be paid and supported out of the ship's income.
By contrast, one representative can handle many businesses if they're all in the same city. That's much less expensive.