Monthly payments too.
It is a common misconception that banks only float loans for traders and merchants to buy ships. Not true. Especially not true if you read what I posted about the Company and groups like the TAS (which may actually be divisions of the Company but let's not get into that here). Having a stake in exploitation er ... exploration is just too crucial to leave to amateurs like the Scouts or Navy.
Those clowns might make new knowledge public for some trumped up ideal like 'the good of mankind'. Well what's good for the Company is good for everyone! Besides banks don't care how you make their/your money. You can haul cargo, frozen immigrants, perfumed nobles or make it other ways. You just need a good business model.
There are very few ships built with ground assault in mind despite what conspiracy buffs tell you about CorpSec black ops. Thus mercenary groups often face a shortage of vessels willing to deliver them to landing zones. Most people built a ground assault transport (or modifying an existing ship) can find steady work with a number of up and coming mercs who can't afford a Broadsword yet or do not want the hassle.
Being owned by the bank has a certain cachet. It's amazing how many planetary governments will wait patiently for your ship to land, then engage the mercs as they debark. No one wants to piss off the bank. The same goes for mercs on the ground. Hardened mercs, warlords and despots will usually treat the ship (and therefore her crew) well, allowing them to leave unmolested or offering gainful employment. This may have something to do with some banks siccing a transport full of lawyers on people stealing bank owned ships.
Search and rescue can be very lucrative. Many backwaters simply don't have the personnel pool for a dedicated and effective search and rescue operation. These operators usually work for minimum when on standby and charge the recipients of their services. They also operate a sideline hauling stuff to and from orbit.
Many Jovian outposts and market areas hire an SAR ship and crew as refueling can always go horribly wrong or will gift a freelance ship fuel to make sure it sticks around just because its a draw.
Some (nearly all) SAR operators double as salvage operations because sometimes they don't make it in time.
Seeker class ships are often bought by entire clans or a single crew that made a huge strike. But sometimes banks will allow a Seeker to be mortgaged. Due to the risk the loans are usually made by local banks in the same belt because not supporting the locals can be very bad for your business. Nevertheless various waivers have to be signed that allow the bank first crack at the estate of any deceased crew. Read the fine print if you're a family man/woman/other.
Universities often send expeditions to points of interest. When they don't have any expeditions out they have no use for a starship. Chartering ships for research is fairly common and a captain with academic connections will find a number of colleges ready to charter him. He can also haul cargo between charters. Free traders are usually the ship of choice for this business as the high cargo capacity and passenger capacity is desired.
People used to travel often forget there are beautiful sights in space and amazing opportunities to experience: low gravity skiing on a gas giant's frozen moon, skimming a planet's rings, re-entry parachuting are just a few. The people who can afford this will want accommodations making high passage look like a smelly surplus spacesuit. All this costs credits. Luxury ships may seldom if ever leave their home system (chosen for surplus cash and beautiful stellar bodies).
This sort of operation is set up quite often in war zones. If your shipping is already being shot at sending out armed vessels insures the investment. As a business privateers usually avoid tangling with warships and can be operated with acceptable levels of risk. The problem is making sure the ship owner does not skip or turn pirate. On the bright side a privateer can find constant employment in a war escorting other mortgaged ships for the bank!