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if your not a cheater do like Emilio stated raid and sell the loot
Put on your best charisma gear, pop some Grape Mentats, and sell the money. That's where I'm making money in my survival beta play through.
Another way is to have extra water at your settlements; any water supply over the amount of settlers gets put into your workbench as Purified Water, they sell for about 10 caps (at 10 Charisma), but they weigh 1 lb. Good for selling to Trashcan Carla when she drops by Sanctuary, for example.
another good way to get fertilizer is buying brahmins
Any water beyond what is necessary for the upkeep (The water required for each settlement and for crops) of the settlement is deposited in the Workshop under the Aid tab. You won't really get an excess unless you have a lot more than the requirement.