A Union's cargo capacity of 74.5 tons is pathetic in general, not just for a capacity to haul successfully stolen loot. However think about where those numbers come from, you can look at what that "capacity" means in various ways.
the 74.5 number is what's left over after starting with a value of 3,600 tons for the entire vessel, minus everything you put in. The 702 ton engine can push 3,600 tons at 1.5 gees under safe thrust (3 thrust). So, if you overload by one half a ton and get to 3,600.5 tons, the engine can't move the DropShip at all? Not likely.
While the game doesn't allow fractional thrust points, there seems to be little reason to say thrust can only be expended in neat half-gee amounts for any in-universe reason. If it IS possible to thrust at 1.25g (2.5 thrust/turn): the Union's engine safe thrust can push exactly 4,320 tons at 1.25g.
4,320 - 3,600 = 720 extra tons of cargo is "available" if you just fly slower, and if you have the physical space to fit it in. Being able to safely stow extra tons of cargo doesn't seem to need to rely on extra structural reinforcement. The Union's decks are already rated to hold mechs at up to 2.5 gees. That means potentially 2,400 tons of capability are there just in the architecture (12 100 ton mechs = 1,200 tons at 2 thrust, or 3,000 tons at 5 thrust)
Edit: if your raid doesn't require you to take the Union off from the planetary surface, the Union's engine can push exactly 5,400 tons at 1 gee while still staying at safe thrust. 5,400 - 3,600 = 1,800 tons over and above the 74.5 tons of cargo.