If you want to go with having a loan to pay off for the Dropship, the Traveler rules might work. Essentially, you take the price of the ship, divide it by 240, and pay that amount every month for the next 40 years. A smart player will take Property to allow them to make that payment without having to scrounge up the funds every month.
For example, the Property of 8 is 800,000 C-Bills per year. The player wants to know the max cost Dropship they can buy. The 800,000 is divided into monthly payments of ~66,667 C-Bills, and then multiplied by 240 to get 16 million C-Bills worth of Dropship. Sighing, the player realizes they need more Property in order to afford even the smallest Dropship's payments. Perhaps the other players would be willing to put startup XP into Property? They'll need a total of 10 PCs, each with Property 8 to do so, and will still need to come up with another $10 million C-Bills before interest is calculated in. Effectively, this will mean the ten of them together have to come up with monthly payments of 41,667 C-Bills (fairly easy to do).
This is in addition to all the maintenance needs of the Dropship, salaries of the crew, fuel/water/food purchases, buying a Jumphip slot so they can travel to another system, etc. The fun part is that from sarna.net a
Leopard only has a crew of 9. Dropping the PCs down to 9 means the monthly payment rises to 108,334 C-Bills. This is when you start getting things interesting. Of course, now I am thinking of a Leopard owned by its crew, trying to make some money, anyhow, anywhere, trying to make it to the next big score to keep the bank off their back. Named Serenity.