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Find out what licenses you'll need. Registration restrictions and paperwork tend to be less complicated in developing countries, so consider registering there rather than in the United States. . Decide what sort of financing will be best for your venture. Sources of financing include the bank, other major lenders (including cooperatives and credit unions), venture capitalists, angel investors, partnerships, and crowdfunding.  The easiest way to finance a business is to do it yourself using your savings. However, coming up with this type of money this way is not feasible for most people. Taking out a small business loan can be an effective solution for funding your business, assuming you qualify for one. To do so, you will need experience, a sound business plan, and good personal credit. The Small Business Administration, SBA, offers guarantees on small business loans that can help you get the loan you need. The limit for an SBA-guaranteed loan is $5 million, through an International Trade and Export Working Capital loan. Most of the other SBA programs offer less and are subject to strict underwriting. In addition, you must find a lender who is familiar enough with the industry and willing to make loans, as the SBA program is a guarantee, not a source of capital itself. Angel investors are more difficult to obtain but can be a great source for both capital and advice, as the angel is usually an experience businessperson. Angels offer start up funds in exchange for equity (partial ownership) in your company. When you have financing in place, you'll need to purchase or charter your ships. Search online at sites like YachtWorld or Ships4Ever.com to find listings then contact the shipbroker in charge of a ship you want to negotiate a price and go through with the sale. If you are buying a smaller boat, or several, there are many other sites offering listings for smaller yachts and cruisers. If you find a good deal on a used ship, that probably means that you will have to make repairs to make the ship ready for passengers. Hire an engineer to make sure that the boat is structurally sound and seaworthy, and that the engines are functioning properly. In addition, you may want to make modifications to your ship to add more amenities, cabin features, shops, or communal spaces. Buy appliances and furniture for cabins as needed. Depending on the size of your cruise ship and overall operation, you will need a variety of crew and employees to make your cruise line run smoothly. For example, you will certainly need crewmen for the ship to run the engines and repair anything that breaks. You will also probably need administrative assistants to handle bookings and billing. Then, you will need to hire food service personnel and maids to handle the cooking and cleaning. Finally, you will need employees to provide entertainment, such as musicians or tour guides for outings.  If you run a very small operation, you may be able to fill many of these roles yourself.

Summary:
Decide country of origin (flag state) where you'll register your vessels. Raise the necessary funding Obtain your ships. Equip and repair the ships as required. Hire employees.