My FC has the basic repair, refuel, armoury additions costing 9.5 million credits per week. Commodities trading is built in. I'm not into shipyard, outfitting, etc. With a billion credits assigned to the FC that pays the bills for two years. Add 21000 tons of Trintium fuel and it can fly deep into the black without having to worry to much about it. Add a dedicated Python asteroid miner for Tritium and you have a backup.
With my Deadly rated NPC pilot and not making credits in the black they don't seem to mind. Me getting space madness after being in the black for 3 months? Could be a problem.
I flew an Orca to Colonia, put a small fleet together there and became allied with a lot of factions in a separate account. Another way to go.