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2. Outplay AI; buy land first, this triggers the AI to buy upgrades and so they have less money to outbid you on shares
3. Play on normal difficulty, hard AI is smarter/better
4. Don't buy upgrades you don't need. I saved about 100k in upgrades that i didn't need and thus didn't buy (like scanner size 2 and 3 and some others)
5. DLC part; sell all the gems in the final section of land, try to sell one after each level. You don't need the bonus level.
With this i made 100% with 1mil and 77k, so barely. But no loan cheating ;).