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However i didnt take a loan on the first boats
you can not use the net on the first boat
^ this...
tbh, i would start over, gather some cash (using the hints above), get a loan when you´re ready and buy the 2nd boat (+ crew) asap (!!asap means, when you can afford to buy boat + crew + net upgrade!!)... No point in carrying a loan around that you don´t use and i doubt you are that far, that starting over would hurt too much ...
just my advice, you can of course try to get out of this situation, which should be doable, if you´re up for the challenge :) ...